The short answer
A charge from KIKOFF* CREDIT PLAN represents a monthly credit account payment or premium credit monitoring subscription from Kikoff Inc.
Why it shows up like this
Kikoff provides a revolving credit line (Credit Account) and credit builder loans designed to establish positive payment history on credit reports.
Descriptors include KIKOFF* CREDIT PLAN, KIKOFF LENDING, or KIKOFF.COM, usually billing $5.00 to $20.00 per month.
Common reasons for this charge
- A monthly $5 payment toward a Kikoff Credit Account line to build credit history.
- A premium Kikoff Credit+ subscription with rent reporting and score insights.
- An automated monthly autopay deduction on a linked debit card.
How to locate the invoice and cancel
- Log in to Kikoff Open the Kikoff app or sign in at kikoff.com.
- Open Account Settings review to Settings > Manage Plan.
- Close Account Select Close Account or contact support at [email protected].
Frequently Asked Questions
Does canceling Kikoff impact my credit score?
Closing your Kikoff credit line will report the account as closed in good standing, but reducing your total available credit lines may lower your overall score.
Are Kikoff monthly fees refundable?
Monthly plan charges already reported to bureaus are non-refundable once billed.
Dispute Rights & Fraud Prevention
If you did not open a Kikoff credit account, submit a fraud inquiry to Kikoff and your card issuer.
Dispute unauthorized credit card charges under the Fair Credit Billing Act within 60 days of the charge date.
How do I report an unrecognized Kikoff charge?
Contact your bank or card issuer to dispute the unauthorized charge and email [email protected].
How long does a dispute investigation take?
Card issuers must complete their formal dispute investigation within two billing cycles (60-90 days).
Independent reference — not affiliated with Kikoff Inc.. Billing names and policies change; verify with the merchant or your bank before acting.
Verified sources
Every claim on this page is checked against official sources — open them to confirm before you call your bank.
- Kikoff Terms of Service https://kikoff.com
- CFPB: Consumer Resources on Building Credit https://www.consumerfinance.gov
Reviewed Aug 15, 2026 · high · About UnknownCharges