Kikoff announced it has acquired the technology, customer relationships, and other key assets of The Service Bureau (TSB), a provider of credit reporting and data furnishing solutions used by more than 1,000 organizations across the credit ecosystem. Financial terms of the transaction were not disclosed.
The acquisition expands Kikoff’s enterprise business by combining its embedded credit infrastructure platform with TSB’s long-established credit reporting technology. TSB employees will also join Kikoff as part of the transaction.
Kikoff launched Kikoff Enterprise in 2025 to provide embedded credit infrastructure for lenders, fintech companies, credit unions, nonprofits, and organizations serving financially underserved communities. The platform offers furnishing-as-a-service, dispute management, compliance infrastructure, identity verification, and credit-building tools through APIs and managed services.
By integrating TSB’s technology, Kikoff Enterprise will provide a broader credit infrastructure platform that enables organizations to manage credit reporting, data furnishing, dispute management, and other essential credit operations at scale.
The acquisition also advances Kikoff’s broader mission of improving financial inclusion. In addition to helping consumers build credit directly through its financial products, the company is expanding its capabilities for the institutions that support consumers, including lenders, nonprofits, and community organizations.
TSB has spent more than 30 years serving lenders, credit unions, collection agencies, affordable housing providers, auto dealerships, and other organizations that furnish consumer credit data to the major credit bureaus. Today, its platform supports more than 1,000 businesses.
As part of the integration, Kikoff will provide one year of free service to new nonprofit TSB customers, helping qualifying organizations reduce operating costs while directing more resources toward serving underserved consumers.
Following the acquisition, Kikoff now supports millions of consumers alongside more than 1,000 enterprise customers through its combination of consumer financial products and enterprise credit infrastructure.
KEY QUOTES:
“Kikoff has helped millions of consumers build credit and access better financial opportunities. 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.”
Cynthia Chen, Founder and CEO of Kikoff
“We have long admired what Kikoff has built in consumer credit and the impact they’ve driven speaks for itself. We’re excited to see TSB’s technology power the next generation of credit reporting, helping more organizations serve their communities accurately and compliantly.”
Mark Taylor, Founder of The Service Bureau
