Kikoff Return Policy
Every return window, fee, and holiday extension for Kikoff — pulled from the retailer's own policy page and linked below so you can confirm it yourself.
Kikoff lets you cancel your credit-building subscription anytime, but the 45-day money-back guarantee only covers recent charges - once you're past that window, past monthly payments aren't refunded even if you cancel later.
Policy at a glance
- Return window
- 45 days (money-back guarantee)
- Holiday extension
- None published
- Category
- Software
Can’t be returned: Payments already made toward a completed subscription term are non-refundable once the plan runs its course, since Kikoff is not a loan product
Why Kikoff earned a B-
About Kikoff
Building credit from scratch usually means a secured card and a wait, but Kikoff sells a cheaper shortcut: a small monthly subscription that reports a tradeline to all three credit bureaus. Plans start at $5 a month, which is a fraction of what a secured card's deposit ties up, and the pitch is aimed at people with thin or damaged credit files who need on-time payment history more than they need actual credit. Higher tiers add rent and bill reporting plus identity theft coverage. It's not a loan, so you're paying for reporting rather than borrowing money.
Results depend entirely on consistent on-time payments over months, so if you're looking for a quick score bump before a mortgage application next month, this isn't built for that timeline.
What they sell
- Basic $5/month credit-building tradeline reporting to Equifax, Experian, and TransUnion
- Premium tier with rent payment reporting
- Ultimate tier with bill reporting and $1M identity theft insurance
- Credit monitoring and dispute assistance tools
Frequently asked questions
What is Kikoff's return window?
45 days (money-back guarantee)
Does Kikoff extend its return window for the holidays?
None published
What items cannot be returned to Kikoff?
Payments already made toward a completed subscription term are non-refundable once the plan runs its course, since Kikoff is not a loan product
Also known as
kikoff.com, kikoff
Return-policy data is compiled from Kikoff’s public customer-service pages by Thrifle AI, our in-house research system. Policies change often and we can be out of date — always confirm on Kikoff’s official site before purchase. Spotted something wrong? Tell usand we’ll fix it.