Kikoff Helps Raise the Nation’s Credit by One Point, Surpassing 240 Million Total Credit Points

Kikoff, the leading consumer finance platform, announced a year of significant growth and measurable consumer outcomes, marked by nationwide gains in credit building and continued expansion of its AI-forward product ecosystem. In 2025, the company achieved unicorn status and surpassed 4 million lifetime users, further strengthening its role in helping consumers build credit, reduce debt, and access broader financial opportunities.

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As of the end of 2025, Kikoff has helped consumers build more than 240 million total credit points since the company’s inception—a nationwide milestone equivalent to increasing the average credit score for every U.S. adult by one point.

As of the end of 2025, Kikoff has helped consumers build more than 240 million total credit points since the company’s inception—a nationwide milestone equivalent to increasing the average credit score for every U.S. adult by one point.

“2025 marked a year of monumental progress in advancing our mission to make financial security accessible to everyone,” said Cynthia Chen, Founder and CEO of Kikoff. “Helping consumers build more than 240 million credit points demonstrates what’s possible when you design affordable, transparent tools at scale. This progress moves us meaningfully closer to democratizing financial security.”

Driving Measurable Credit and Financial Outcomes

Kikoff’s 2025 results reflect continued innovation across its product ecosystem, including the Kikoff Credit Account, Credit Dispute tools, AI-powered Debt Negotiation, Equifax Optimal Path, Earned Wage Access, and the Kikoff Marketplace, supporting broader access to housing, transportation, short-term liquidity, and more affordable credit.

Key consumer outcomes include:

• 240 million+ total credit points built across Kikoff users
• $21 million+ in total debt savings, including $3.5 million secured through Kikoff’s AI-powered debt negotiation tool
• 800,000+ credit products unlocked by consumers after building credit with Kikoff across auto loans, mortgages, and more

Together, these results underscore Kikoff’s role not just as a credit-building app, but as a long-term financial partner helping consumers unlock real-world financial opportunities.