Kikoff, the fintech company on a mission to empower everyone to achieve financial security, announced it has acquired technology, customer relationships, and other key assets of The Service Bureau (TSB), a leading provider of credit reporting and data furnishing solutions trusted by over 1,000 businesses across the credit ecosystem. The acquisition marks a strategic expansion of Kikoff's approach to financial inclusion, extending its work beyond helping consumers build credit directly to empowering the lenders, non-profits, and community organizations that serve them, enabling the entire credit ecosystem to work better for underserved consumers. Following the acquisition, TSB's employees will be joining Kikoff.

Together, Kikoff Enterprise and TSB's technology form a comprehensive credit infrastructure platform, giving organizations the tools to manage credit reporting, furnishing, dispute management, and other critical credit operations at scale.

Launched in 2025, Kikoff Enterprise provides embedded credit infrastructure for lenders, fintechs, credit unions, and organizations serving financially underserved communities, including furnishing-as-a-service, dispute management, compliance infrastructure, identity verification, and credit-building tools delivered through modern APIs and managed services.

Together, Kikoff Enterprise and TSB's technology form a comprehensive credit infrastructure platform, giving organizations the tools to manage credit reporting, furnishing, dispute management, and other critical credit operations at scale.

"Kikoff has helped millions of consumers build credit and access better financial opportunities," said Cynthia Chen, Founder and CEO of Kikoff. "With Kikoff Enterprise, we expanded that mission to the organizations that power the credit ecosystem. Adding TSB's technology and customer base accelerates that strategy in a meaningful way, bringing three decades of institutional trust and a proven platform into our growing infrastructure business."

For over three decades, TSB has built a trusted, best-in-class reputation serving lenders, credit unions, collection agencies, affordable housing providers, auto dealerships, and other organizations that furnish consumer credit data to the major bureaus. Its platform today supports more than 1,000 businesses responsible for helping consumers access, build, and maintain credit.

As part of the transition, Kikoff is extending one year of free service to new non-profit TSB customers. This reflects Kikoff's commitment to its mission of empowering everyone to achieve financial security, helping non-profit data furnishers reduce operating costs so they can direct more resources toward the underserved consumers they serve.

"We have long admired what Kikoff has built in consumer credit and the impact they’ve driven speaks for itself," said Mark Taylor, Founder of The Service Bureau. "We’re excited to see TSB’s technology power the next generation of credit reporting, helping more organizations serve their communities accurately and compliantly.”

With this addition, Kikoff now serves millions of consumers and more than 1,000 enterprises, combining consumer financial products with institutional credit infrastructure to build a more connected, efficient, and inclusive financial system.