Kikoff was founded in 2019 with a not-so-simple goal: make it easier for people to build credit. And it’s working. With 2 million customers, we’re helping people achieve their credit goals, so they can build the life they deserve. And we’re just getting started. We’re profitable, growing fast, and we’ve achieved Unicorn status. Our team is made up of data scientists, engineers, AI developers, product designers, & financial gurus. Credit is key to big milestones — from opening a credit card to getting better rates on loans. But there’s a catch: it’s easier to build credit, when you already have it. Co-founders Cynthia Chen and Christophe Chong understood this first hand, so they built a solution. Kikoff’s main product is our Credit Account, a reported tradeline exclusively focused on building credit. But we didn’t stop there. We’ve added accessible features like Rent & Bill Reporting and our AI-powered Debt Negotiation tool to take the time and headaches out of leveling up your financial health. AI is a game changer—and we’re using it to make our products future-proof.