Credit scores shape what your customers can actually buy from you.
For a significant portion of your customer base, their credit score is the binding constraint on what they buy. More promotions and better offers don't move that number.
gap in annual credit card spending between subprime and prime-plus customers
Source: NCUA
in annual spending potential separates a subprime customer from a prime-plus one
Source: FHN Study
Embed credit building. Give those customers a path to higher purchasing power.
Kikoff plugs into your customer experience in weeks — and starts moving scores from day one.
Three returns in one investment.
Investing in customers you already have
Higher scores mean higher purchasing power, longer customer relationships, and more revenue from the customers you already have.
Engagement beyond the point of sale
Credit building keeps customers committed to your program throughout their credit building journey.
The brand they remember
Credit building is a benefit category your competitors aren't in. Your brand becomes the one that helped a customer rebuild their financial life.
Enterprise-grade credit features, live within weeks.
Integrate
Connect via Kikoff's API. White-glove onboarding, sandbox testing, and compliance infrastructure included.
Reporting goes live
End users opt in inside your platform and their data starts flowing to the credit bureaus.
Kikoff handles the rest
Customer servicing, ongoing payment capture, and bureau partnerships. Your team stays focused on your product.
# Enroll a member in credit building curl https://sandbox.enterprise.kikoff.com/v1/members/enroll \
-H "Authorization: Bearer $API_KEY" \
-d '{
"member_id": "usr_abc123",
"product": "credit_building",
"white_label": true
}' # Response: 201 Created {
"account_id": "acct_xyz789",
"status": "active",
"bureau_reporting": ["equifax", "experian", "transunion"]
}
Help your customers grow with Kikoff.
Partnering with us means you focus on what you do best and let us do the building. Full, customizable functionality under your native brand experience.