About Credlynx
Take control, build smarter, and unlock the financial future you deserve.
Users starting with credit scores under 600 saw an average increase of 84 points in just one year — simply by making on-time payments.
Unlock the Power of Tri-Bureau: Credlynx Reports to Equifax, Experian, and TransUnion.
Credlynx is a consistent fan favorite—just ask the internet: 99% of App Store reviews are 4 stars or higher.
Our Features
Effortlessly build your credit with tools designed to steadily grow your score — no credit card required.
Track your credit changes in real time and get alerts when something important happens.
We analyze your credit habits and give you easy-to-follow tips to boost your score.
Transparency is key. No surprise charges, no fine print — just clear, simple pricing.
Get bite-sized lessons and resources to improve your financial knowledge while building credit.
Set it and forget it. We handle your payments automatically to keep you on track.
Why Choose Us
With perks like cash back, fee-free overdraft protection, & early payday, the Kikoff Secured Card works like a debit card, but helps you build credit with everyday purchases.
Our Premium users can build credit with the rent they already pay—and even report up to 2 years of past payments for a one-time fee. If you pay rent, we think you should get credit for it.
We also offers affordable white-glove packages that help defend against threats beyond Credlynx—like data breaches & hackers.
Your specialized, reported tradeline instantly adds to your credit mix, grows your average account age, & can help you to build payment history & lower utilization with on-time monthly payments.
Credlynx helps elevate your rise to credit success. Monitor & master key credit tactics with a bottomless credit building toolbox.
Pricing Plan
$10
/ Month
Reports To: All 3 major credit bureaus (Equifax, Experian, TransUnion)
Type: Revolving
What's included?
$20
/ Month
Reports To: All 3 major credit bureaus (Equifax, Experian, TransUnion)
Type: Revolving
What's included?
$30
/ Month
Reports To: All 3 major credit bureaus (Equifax, Experian, TransUnion)
Type: Revolving
What's included?
$350
/ Month
Reports To: All 3 major credit bureaus (Equifax, Experian, TransUnion)
Type: Revolving
What's included?
Our Process
Create your account in minutes — no credit check needed.
Pick the credit-building option that fits your goals.
We report to major credit bureaus each month.
Monitor your score and get helpful credit tips.
Grow your credit, unlock new opportunities.
Testimonials
See How It Works
Choose the credit-building plan that fits your goals. We’ll handle the rest behind the scenes — safely and automatically.
FAQs
CredLynx is a credit-building service designed to help you build credit safely and responsibly. Our products are designed to target the 5 major credit score factors.
Credit Account – this is our primary product: a revolving line of credit designed to address the 3 key factors of your credit score: payment history, credit utilization, and age of accounts.
Build monthly payment history: Use your Credit Account to finance a purchase from CredLynx and make monthly payments without interest or fees to build your payment history. We’ll report each of your payments to Equifax, Experian, and TransUnion.
Reduce your credit utilization: Signing up for CredLynx gives you access to a line of credit to make purchases from CredLynx.
Raise your age of accounts: The older your accounts, the better. The Credit Account doesn’t expire—so keeping it open will continue to increase your average account age.
Secured Credit Card – this is a secured credit card product that safely builds your payment history through your everyday transactions. The Secured Credit Card works like a debit card but has the benefits of a credit card.
CredLynx offers multiple products.
The Credit Account is a revolving line of credit that gets reported to Equifax, Experian, and TransUnion. You are able to use the CredLynx Credit Account to finance the purchase of goods and services from CredLynx. Unlike a credit card, the CredLynx Credit Account can only be used to make purchases from CredLynx (e.g., can’t buy gas or groceries). There is no physical card with the CredLynx Credit Account.
The Secured Credit Card is a secured credit card on the Mastercard network that works like a checking account and debit card. The funds that are deposited set the credit limit of the card so you never have to worry about overspending or due dates.
On average, customers with credit scores under 600 increase their credit scores by 58 points[1], with consistent on-time payments during the account lifetime. Many Kikoff customers have been able to qualify for better car loans, mortgages, credit cards, personal loans, and more.
Keep in mind, credit building is a long-term habit – like eating healthy or working out – so the most important thing is to make good financial habits: make your payments on-time, keep your utilization low, and practice good financial habits.
[1] Credit Score Increase: Based on Kikoff customers that used theCredit Account product and made consistent on-time payments during account lifetime. This data is based on observed VantageScore 3.0 credit score changes. Payment behavior can have an impact on your credit score, and individual results may vary. Data current as of March 2022.
CredLynx is an official data furnisher to the 3 major credit bureaus: Equifax, Experian, and TransUnion.
CredLynx reports your accounts every month, at the start of the month. Please note we report to different bureaus depending on which accounts you have:
Credit Account reports to Equifax, Experian, and TransUnion.
The Secured Credit Card (optional add-on) reports to Equifax, Experian, and TransUnion. We require a minimum deposit of $50 to be reported.
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