Nov '25 • General discussion
Kikoff Credit Builder Plans
EVERYONE SHOULD HAVE THIS REPORTING, EVEN IF YOU HAVE GREAT CREDIT. THIS IS A GREAT WAY TO LOWER YOUR UTILIZATION AND TO PROTECT YOUR UTILIZATION JUST IN CASE YOU MAX OUT ONE OF YOUR OTHER CREDIT CARDS (AND YES, I HAVE IT).
Before we get into the plans, let me make something VERY clear NO❌ YOU DO NOT GET A PHYSICAL CREDIT CARD.
This is a credit builder tradeline, almost identical to the Ava account , it reports like a revolving line, but you’re not swiping it at stores.
Now let’s break down the plans so you know exactly what each one does for your credit
1. BASIC PLAN $5 per month
A simple starter plan to get positive reporting going.
What You Get:
✔️ $750 revolving credit line
✔️ Monthly reporting to all 3 bureaus
✔️ Builds payment history
✔️ No hard inquiry
✔️ Credit building tools & tracking
2. PREMIUM PLAN $20 per month
Adds extra reporting and tools for faster progress.
What You Get:
✔️ Everything in Basic
✔️ Rent reporting
✔️ Bill reporting (utilities, phone, etc.)
✔️ Debt negotiation support
✔️ 3 bureau credit reports
3. ULTIMATE PLAN $35 per month🔥🔥🔥🔥🔥
This is the powerhouse package , the one I personally recommend.
What You Get:
✔️ Everything in Basic & Premium
✔️ Identity theft insurance
✔️ Personal data protection
✔️ Dark web monitoring
✔️ A REVOLVING CREDIT LINE OF $3,500 🚨
✔️ Monthly reporting to all 3 bureaus
Why I Recommend This Package
That $3,500 revolving line is a game changer. It helps:
Lower your utilization dramatically
Protect your score if one of your real cards gets maxed out
Strengthen your overall credit mix
Add a strong tradeline that helps your profile look healthier
Report like a real $3,500 credit card without the temptation to spend
For anyone rebuilding, prepping for funding, or leveling up, this is the BEST package.
Here’s the link:
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Kikoff Credit Builder Plans
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