Credit history builds in the background. No new accounts. No behavior change.
Kikoff Enterprise's Rent & Bill Reporting takes the on-time payments your end users already make — rent, utilities, phone, subscriptions — and reports them to credit bureaus as positive payment history.
Built for thin-file users
Reaches renters, gig workers, and credit-invisible users whose most reliable financial behavior has historically gone uncounted.
No new account required
End users opt in once. Reporting runs automatically every month. No extra steps, no behavior change needed.
White-labeled under your brand
Your product experience, your brand. We handle bureau reporting, compliance, and ongoing infrastructure.
Starts a credit relationship from day one
Embedding Rent & Bill Reporting begins building credit history before users qualify for any higher-tier offerings.
Expand your reach. Deepen the user relationship.
Reach users your competitors gate out
Rent & Bill Reporting opens a credit-building relationship with them from day one, which seamlessly integrates into their spending habits.
Position your platform as one that works for the user
Most products ignore end users' most consistent financial behavior. Reporting on-time rent and bills signals your platform is invested in their financial future.
An on-ramp to your higher-tier products
As credit grows, more users qualify for offerings that require established credit history. Rent & Bill Reporting starts that relationship — and your other products benefit from where it leads.
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 rent reporting curl https://sandbox.enterprise.kikoff.com/v1/rent-reporting/enroll \
-H "Authorization: Bearer $API_KEY" \
-d '{
"member_id": "usr_abc123",
"bill_type": "rent",
"monthly_amount": 1850,
"white_label": true
}' # Response: 201 Created {
"enrollment_id": "enr_rent456",
"status": "active",
"bureaus": ["equifax", "experian", "transunion"]
}
Help your users build credit with the bills they're already paying.
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.