1 - Log in to your Kikoff account on the Kikoff website.
2 - Navigate to the "Account Settings" section.
3 - Find the "Cancel Subscription" option.
4 - Follow the prompts to confirm the cancellation of your subscription.
5 - Review any notifications about the impact on your credit score.
Kikoff helps you build your credit with simple monthly plans starting at $5. You pay a monthly subscription fee for credit builder services that report your payments to all three major credit bureaus, helping improve your credit score over time. They offer three plans—Basic, Premium, and Ultimate—with increasing benefits like rent reporting, a secured credit card, and identity theft protection. You might see billing from Kikoff if you subscribe to one of their plans, which are billed monthly with no hidden fees or interest.
Kikoff allows users to cancel their credit accounts directly through their online dashboard after login without any fees or penalties, making cancellation straightforward and quick. The main consideration is the impact on credit history, which the company clearly communicates, but the actual process is simple and user-controlled.
Estimated Time
On average, it takes 10 minutes0010 minutes to cancel a Kikoff subscription.
How to Contact Kikoff
If you need assistance, here's how you can get in touch with Kikoff's support team.
Savings over 5 years from cancelling your $15/month subscription
Savings by cancelling
$0
vs
Loss if you keep paying
-$0
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Kikoff Refund Policy
Kikoff membership plans start at $5 per month for 12 months, billed monthly, totaling $60. You can cancel anytime, with no specified penalties mentioned for cancellation. It's important to note that late or missed payments can negatively impact your credit.
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Frequently Asked Questions
You can cancel your Kikoff subscription or membership at any time without any fees or penalties. However, if you've made any payments, your account has been reported to credit bureaus as a tradeline, so closing your account may negatively impact your credit score by reducing your average account age. This is a key consideration as it can affect your credit-building progress. There are no contracts, lock-ins, or early cancellation fees, but closing your account is irreversible and you won't be able to reopen it later.
Unawareness of subscription fees: Users were charged $5/month fees they did not know about.
Credit score damage: Multiple users reported their credit scores dropping significantly after using Kikoff.
Lack of communication and warnings: No prior notification via letters, calls, or emails about fees or late reports.
Perceived as a scam: Many users described Kikoff as a scam due to unexpected charges and credit damage.
Misleading advertising and terms: Advertised refundable plans were actually non-refundable, leading to dissatisfaction.
Hijacking credit reports: Some customers claimed Kikoff reported defaults on accounts they never used.
Issues with account closure and reporting: Customers complained that accounts reports occurred even after closure.
Cutting back on spending: Some canceled simply to reduce expenses.
Your full name associated with the Kikoff account
Account number (if available)
Email address linked to your Kikoff subscription
Clear request to cancel or close the account (e.g., a subject line "Request to close my Kikoff Account")
Special closure instructions (if any)
Contact details for confirmation (e.g., phone number or email address)
Confirmation of your decision to cancel during the process or in correspondence
Before cancelling your Kikoff subscription or account, know that you can close it anytime without fees or penalties. However, once your Kikoff Credit Account is closed, it cannot be reopened, so consider this carefully. You will lose access to the credit-building features and benefits Kikoff offers, including ongoing payment reporting to credit bureaus that can help improve your credit history and score. Additionally, closing your account may negatively impact your average account age, which is an important factor in your credit score, so it is generally recommended to keep it open and continue making payments if possible.
Kikoff membership plans start at $5 per month for 12 months, billed monthly, totaling $60. You can cancel anytime, with no specified penalties mentioned for cancellation. It's important to note that late or missed payments can negatively impact your credit.
To cancel your Kikoff subscription, you need to log in to your account, which means you will need your password to access it. There is no indication that you can cancel via phone or unauthenticated chat without logging in. If you've forgotten your password, you can reset it by visiting this link: https://kikoff.com/password/reset. So, having your password is essential for cancellation.
We've actually written a step by step guide on how to get a refund from Kikoff. Check it out!
The cancellation process typically takes about 10 minutes to complete. However, the actual time may vary depending on your account settings and whether you need to contact customer service. Most cancellations are processed immediately, but some may take up to 24 hours to take effect.
After canceling your Kikoff subscription, you'll typically have access to the service until the end of your current billing period. You won't be charged for the next billing cycle, and your account will be deactivated once the current period ends. Make sure to download any important data before cancellation.
Yes, you can usually reactivate your Kikoff account by logging back into your account and resubscribing. However, you may need to go through the sign-up process again and provide payment information. Some services may offer special reactivation deals for returning customers.
If you're unable to cancel Kikoff online, contact their customer service directly using the phone number, email, or website provided above. You can also use our refund script to help you communicate effectively with their support team. In some cases, you may need to provide additional verification or documentation.
Editorial Note: The content on this site is provided for general informational purposes only and reflects the independent research, opinions, and editorial judgment of Chargeback's team. While we strive to ensure accuracy and relevance, the information may contain errors, omissions, or become outdated. Nothing on this site constitutes legal, financial, or professional advice, and we do not guarantee the effectiveness or outcome of any guidance provided. Individual results may
vary depending on specific circumstances.
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¹ Total savings is calculated based on internal annualized estimates of
savings for customers. ² Average requests times may vary depending on volume of requests
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