Credit Builder Plans: 80 million points increased.*
Credit Builder Plans are a fully embedded, white-labeled experience. End users open and activate a Credit Builder Plan inside your product, never leaving your platform. The credit-building work happens in the background building key credit score factors fast.
No credit check required
Accessible to thin-file, credit-invisible, and subprime end users — the segment most credit products gate out. No hard pull, no barrier to entry.
Proven results
Users who start under 600 see average year-one credit growth of +86 pts.* Automated, on-time payments build payment history, credit age, and bureau presence every month.
White-labeled under your brand
Your product experience, your brand. We handle bureau furnishing, compliance, customer support, and ongoing reporting infrastructure.
Reports to all three bureaus
Every on-time payment is reported to Equifax, Experian, and TransUnion — maximizing the credit-building impact for every enrolled end user.
How Credit Builder Plans grow credit — and your business.
A monetizable embedded product, not just a feature
Credit Builder Plans can serve as a paid add-on, a loyalty differentiator, or a feature that drives upgrades. Credit-building is a real, ongoing value to the people on your platform.
Reach an underserved audience
Thin-file and credit-invisible end users make up a significant portion of any consumer-facing platform. Embedding Credit Builder Plans gives them a credit-building path inside your product.
Engagement that compounds over months
End users starting under 600 see +25 pts on average in their first month.* Every reported payment is a month of retained, engaged time on your platform.
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"]
}
Embed the credit builder your customers need.
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.