Kikoff
Software DevelopmentCalifornia, United States201-500 Employees
Kikoff is a software development company based in San Francisco, California, founded in 2019 by Cynthia Chen to simplify building credit. Its core offering is the Credit Account, a reported tradeline aimed at helping users establish and grow credit, with additional features such as Rent & Bill Reporting and an AI-powered Debt Negotiation tool. The team brings together data scientists, engineers, AI developers, product designers, and financial professionals to support its products and user experience. Kikoff serves consumers seeking to build or strengthen their credit to access better terms on loans and other financial products. Positioned in software development with a fintech focus, it provides tools intended to streamline credit-building and related financial health tasks. In March 2026, Kikoff announced a collaboration with TheGuarantors to offer a free credit-building package to applicants interacting with TheGuarantors' platform.