With the Credit Account, there are no additional fees.You are responsible for paying back any purchases financed by the Kikoff Credit Account, but there are no additional interest fees, late fees, or other fees. With Kikoff, there are no additional fees. The Secured Credit Card works like a debit card but has the benefits of a credit card. Secured Credit Card - this is a free, secured credit card product that safely builds your payment history through your everyday transactions.At the end of the year, you’ll have built 12 months of payment history and you’ll get all your savings back ($120). Credit Builder Loan - Credit Builder Loan is a 1-year credit-building plan that also builds $10/month in savings.The Credit Account doesn’t expire-so keeping it open will continue to increase your average account age. Raise your age of accounts: The older your accounts, the better.Reduce your credit utilization: Signing up for Kikoff gives you access to a $750 line of credit to make purchases from Kikoff.We’ll report each of your payments to Equifax and Experian. Build monthly payment history: Use your Credit Account to finance a purchase from Kikoff and make monthly payments without interest or fees to build your payment history.Credit Account - this is our primary product: a revolving line of credit designed to address the 3 key factors of your credit score: payment history, credit utilization, and age of accounts.Our products are designed to target the 5 major credit score factors. Kikoff is a credit-building service designed to help you build credit safely and responsibly.
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