Structured debt guidance that moves the credit needle.
Debt Management is a white-labeled API feature that helps end users understand their debt load, build personalized paydown plans, and receive utilization coaching — all inside your platform. It's the bridge between where users are today and the credit milestones that unlock your higher-tier products.
Personalized paydown plans
End users see a clear roadmap for reducing balances across accounts — prioritized by impact on credit utilization, interest cost, and timeline to key score thresholds.
Utilization coaching
Real-time guidance on keeping credit utilization in healthy ranges, with alerts when balances approach limits that could drag down scores.
White-labeled under your brand
Your product experience, your brand. We handle plan logic, coaching algorithms, and ongoing infrastructure — you own the relationship as users progress toward credit-ready status.
API-first integration
Connect via Kikoff's API and embed plans, progress tracking, and coaching nudges in your native UI. Debt management becomes a guided journey inside your platform.
Debt guidance that accelerates credit progression — and your product funnel.
Move users from stuck to credit-ready
High utilization is one of the biggest barriers to score growth. Embedded debt coaching gives users a path forward — and gives your platform a role in getting them there.
Unlock downstream products as debt falls
As utilization drops and scores rise, more users qualify for lending, cards, and premium features. Debt Management is the on-ramp that makes those conversions possible.
Long-horizon engagement with measurable progress
Debt paydown is a months-long journey. Embedding structured plans and progress tracking keeps users enrolled and engaged throughout — not just at enrollment.
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.
# Create a personalized debt paydown plan curl https://sandbox.enterprise.kikoff.com/v1/debt-management/plan \
-H "Authorization: Bearer $API_KEY" \
-d '{
"member_id": "usr_abc123",
"strategy": "avalanche",
"target_utilization": 30
}' # Response: 201 Created {
"plan_id": "plan_debt772",
"projected_payoff_months": 18,
"utilization_target": 30,
"status": "active"
}
Embed the debt guidance your users need to move forward.
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.