Kikoff buys TSB credit reporting assets to expand enterprise platform

Kikoff has acquired technology, customer relationships and other assets from The Service Bureau, adding a credit reporting and data furnishing platform used by more than 1,000 businesses. The company said the deal broadens its enterprise infrastructure business, moving beyond direct-to-consumer credit-building products into tools used by lenders, credit unions, non-profits and other organisations serving borrowers.

Financial terms were not disclosed in Kikoff’s announcement. The company said TSB employees will join Kikoff as part of the transaction.

The acquisition brings together Kikoff Enterprise, launched in 2025, with TSB’s credit reporting technology. Kikoff said the combined offering will support organisations that need to manage credit reporting, data furnishing, dispute workflows and other credit operations at scale.

Enterprise credit infrastructure

Kikoff Enterprise provides embedded credit infrastructure to lenders, fintechs, credit unions and organisations focused on financially underserved communities, according to the company. Its services include furnishing-as-a-service, dispute management, compliance infrastructure, identity verification and credit-building tools delivered through APIs and managed services.

In credit reporting, data furnishers send consumer credit information to the major credit bureaus. The technology and operational controls around that process matter because lenders and other organisations must report information accurately, handle disputes and maintain compliance procedures. Kikoff said the TSB assets will add established technology and customer relationships to that stack.

Cynthia Chen, Kikoff’s founder and chief executive, said the company has helped millions of consumers build credit and that Kikoff Enterprise extends that work to the organisations that support the credit system. She said adding TSB’s platform and customer base advances that enterprise strategy and brings long-standing institutional relationships into Kikoff’s infrastructure business.

TSB’s customer base

TSB has operated for more than three decades, according to Kikoff. The company serves lenders, credit unions, collection agencies, affordable housing providers, auto dealerships and other organisations that furnish consumer credit data to major bureaus.

Kikoff said TSB’s platform supports more than 1,000 businesses involved in helping consumers access, establish and maintain credit. The acquired customer relationships therefore give Kikoff a larger institutional footprint alongside its existing consumer financial products.

Mark Taylor, founder of The Service Bureau, said TSB’s technology will support the next phase of credit reporting and help organisations serve communities accurately and in compliance with applicable requirements.

As part of the transition, Kikoff said it will offer one year of free service to new non-profit TSB customers. The company said the measure is intended to lower operating costs for non-profit data furnishers so they can allocate more resources to the underserved consumers they support.

Following the transaction, Kikoff said it serves millions of consumers and more than 1,000 enterprises. The company described the combined business as a link between consumer financial products and institutional credit infrastructure, with the stated aim of making the credit system more connected, efficient and inclusive.

This story draws on original reporting from Finextra Research.