The Kikoff Credit Account is a revolving, reported line of credit intended exclusively for use on the Kikoff Store: Most commonly, it's used solely to finance the purchase of one of our credit building plans (i.e. Kikoff Credit Service).
Common questions & callouts
- Can I use my Credit Account to pay for everyday expenses?
No. The Credit Account is NOT intended for everyday purchases on things like gas or groceries. It can only be used on the Kikoff Store to finance the purchase/renewal of credit builder plans like Kikoff Credit Service Basic, Premium, or Ultimate or, if desired, educational content like eBooks or digital courses. - What's the easiest way to build credit with my Credit Account?
Turn on Autopay. Your Credit Account (your reported tradeline) is used to pay for your plan—then you pay it off (what you pay each month). If all of this seems like too many steps, we get it. Just enable Autopay and build credit without worrying about due dates.
When you use your Credit Account to finance the purchase or renewal of Kikoff Credit Service each month (your monthly "plan"), you're keeping the utilization of your credit line low—and when you pay off what you owe, you're building payment history.
Webstore purchases financed with the Credit Account vary depending on your plan and whether you use it to finance any additional purchases on the Kikoff store, beyond the renewal Credit Service.