Today's guest, Cynthia Chen, shares how you can build credit fast, and why good credit is so critical to your financial future. She discusses why building credit should be part of your New Year’s resolutions, the simple steps you can take to get started, insights into why credit health matters, when to begin building credit, and the smartest ways to do it right. Cynthia also shares how Kikoff is helping over a million people strengthen their scores without fees, interest, or gimmicks.
Cynthia Chen is the Co-Founder & CEO of Kikoff, one of the fastest-growing mission-driven financial technology companies in America that is dedicated to helping individuals achieve financial health through credit building.
With prior leadership roles at billion-dollar companies like Figure, LendingHome, and OnDeck, she brings deep expertise in financial technology and risk management.
Under her leadership, Kikoff has helped more than 1 million people increase their credit scores by over 80 million points, offering radically affordable, consumer-first tools to help people build credit, reduce debt, and unlock greater financial opportunity.
Cynthia’s extensive experience and commitment to financial inclusion have positioned her as a notable figure in the fintech industry, driving initiatives that democratize financial health for a broader audience.
Kikoff was built on the belief that predatory financial services shouldn’t exist. As a consumer-focused personal finance platform, Kikoff is making financial progress accessible, especially for those overlooked by traditional systems
Cynthia holds both a BA in Economics and Operations Research and a Master’s in Mathematics of Finance from Columbia University.