Kikoff is described as 'What is Kikoff? Kikoff is an affordable and accessible way to build credit safely, quickly, and easily – starting at just $5 a month. Kikoff helps you build credit with no credit check required, and it only takes a few minutes to open your account' and is an app. There are five alternatives to Kikoff for a variety of platforms, including iPhone, Android, iPad, Web-based and Android Tablet apps. The best Kikoff alternative is Credit Karma, which is free. Other great apps like Kikoff are Equifax, Credit Sesame, WalletHub and ClearScore.