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.
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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.
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minutes to cancel a Kikoff subscription.
How to Cancel Kikoff: Step by Step
If you purchased through Kikoff.com:
- Log in to your Kikoff account on the Kikoff website.
- Navigate to the "Account Settings" section.
- Find the "Cancel Subscription" option.
- Follow the prompts to confirm the cancellation of your subscription.
- Review any notifications about the impact on your credit score.
Tips & Tricks for Canceling Kikoff
- Cancel anytime via email with a clear subject like "Request to close my Kikoff Account" including your full name, account number, and contact details.
- Be polite but firm in communication; sometimes escalating by mentioning you understand your rights and terms can spur action.
- Use the account "Deactivate" option if available on your Kikoff dashboard for immediate cancellation.
- Time the cancellation after meeting minimal payment milestones to avoid losing credit benefits.
- Expect potential credit score impact if cancelling early or if it's your only active account.
- Follow up persistently if customer service delays confirmation or refunds.
- Document all communication as proof in case of disputes or delayed responses.
- No penalties or fees for cancelling anytime, use this fact if contested.
- Check for refunds carefully but know some users report difficulty getting them, so escalate if needed.
- Watch for auto-renewal cancellation separately to avoid recurring charges.
Kikoff Customer Service Info
If you need assistance, here's how you can get in touch with Kikoff's support team.
Cancel Kikoff Script
Script
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Hello Kikoff Team,
I hope this message finds you well. I am writing to request the cancellation of my subscription with Kikoff. Unfortunately, I have decided to discontinue my membership due to budgetary constraints at this time.
Please confirm the cancellation of my subscription and ensure that no further charges will be applied to my account. Thank you for your assistance with this matter.
Best regards,
[Your Name]
Frequently Asked Questions
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.
- 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.
- Inability to retrieve funds: Users encountered technical errors preventing money withdrawal.
- Cutting back on spending: Some canceled simply to reduce expenses.
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.
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.
- 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
We've actually written a step by step guide on how to get a refund from Kikoff. Check it out!
The Easiest Way to Cancel Kikoff
If you’re frustrated trying to cancel your subscription, membership, or bill from Kikoff—or if you didn’t even realize you were being charged—Chargeback can help. Chargeback is a personal subscription manager that automatically detects hidden, recurring charges like Netflix, Hulu, and hundreds of others. With one click, we can cancel unwanted subscriptions, flag suspicious billing, and even initiate refund requests on your behalf. No more waiting on hold or navigating confusing help pages. Just connect your bank or email account, and we’ll take care of the rest.
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What Are Some Alternatives to Kikoff?
Kikoff Lending, LLC, KIKOFF LENDING, LLC KIKOFF.COM, Direct Debit: Kikoff Lend Fbo, Payment
Editorial Note: These articles reflect the opinions of Chargeback's writers. Everyone's situation is unique; therefore, it is important to conduct your own research and note that our self-help tools are not guaranteed to help with any specific problem.
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