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TomoCredit

TomoCredit

Manage & Build Your Credit

523 ratings
471 reviews
📚 Education
💰 Finance
Free

Details

  • Released
  • Updated
  • August 21, 2024
  • June 22, 2026

Features

Developer

TomoCredit Inc
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TomoCredit screenshot #1 for iPhone
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TomoCredit screenshot #5 for iPhone
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About

This app helps you build and manage your credit score. It offers features like rent reporting, bill tracking, and an AI financial assistant to provide personalized advice and improve your financial health.

✓Up to $30,000 credit line
✓24 months of bill tracking
✓Instant credit boost
✓Rent reporting
✓AI financial assistant
✓Dispute negative remarks
✓Credit monitoring
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What users say

Summarized from real user reviews of TomoCredit. Based on 523 reviews and a 3.4/5 average, it highlights the 5 positives and 5 negatives reviewers mention most about this Finance app.

Positive things

  • 👍Easy to use
  • 💡Helpful credit consultations
  • 🚀Clean, user-friendly design
  • 📈Effective credit-building tools
  • 💰Bonus cash back feature

Negative things

  • 🚫Failure to report to major credit bureaus
  • 💸Expensive premium subscription
  • 🤖Lack of responsive customer support
  • 🔁Difficulty canceling subscriptions
  • ❌Unreliable credit score improvements
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What's New in TomoCredit

1.11.31

June 22, 2026

Welcome to the launch of Tomo, your new partner in credit building and financial empowerment. We're excited to offer a suite of features designed to help you improve your credit score, manage your finances, and gain financial literacy.

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User reviews

Most RecentHighest RatedLowest Rated

new ai assistant

love new features
Lisa ElfinLisa Elfin

Great app!

The app has a clean, intuitive interface that is easy to navigate. The credit report is well organized and easy to understand. Because it connects to users' bank accounts, it can help people stay on budget and avoid overspending. Timely payments are reported to the credit bureaus, which can gradually help build credit over time. Overall, it's a useful app for anyone looking to improve or establish their credit score.
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RawfishmonkeyRawfishmonkey

The most unethical company I have ever had misfortune to come across.

I have been requesting to have my account closed since the first day I had misfortune to sign up for this scam. Each time I get an email with every answer but actually someone having decency to respect my request and to honor my request to close my account”membership.” And of course there is no option to do so in the app. Do NOT sign up, this is a scam.
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SassyneilASassyneilA

Pay first

They immediately want you to pay before you can even explore the app and check things out.
Kasper.666Kasper.666

It does the job!

I like to use it to check my credit score. It allows me to track my score and provides insights to help improve my overall credit profile. I’m looking forward to submit my disputes instantly.
Lupan123Lupan123
See 466 more reviews

Developer apps

Tomo Card
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Tomo IQ
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(9)

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See developer apps

User experience

🐞

Reported Bugs

2 issues

App update issues

Bug

Billing and subscription problems

Bug
✨

Requested Features

3 requests

Improved credit bureau reporting

Feature

More transparent pricing and service details

Feature

Enhanced customer support and communication

Feature

FAQ

What is TomoCredit?

TomoCredit is a finance app designed to help users build and manage their credit. It offers features like rent reporting, bill tracking, and an AI financial assistant to provide personalized advice and improve financial health.

How does TomoCredit help build credit?

TomoCredit offers various tools to build credit, including a credit line up to $30,000, rent reporting for on-time payments, and an instant credit boost feature. It also provides in-depth credit reports and supports all major bureaus.

Is TomoCredit secure?

The app description does not explicitly detail security measures. However, it emphasizes no hard credit pulls, which is a user-friendly aspect for credit checks. Users have reported concerns about the reliability of reporting to credit bureaus and customer support responsiveness.

Does TomoCredit have ads?

No, TomoCredit does not contain advertisements.

What devices does TomoCredit support?

TomoCredit is available on iPhone, iPad, and iPod devices.

How often is TomoCredit updated?

The latest version is 1.11.31, and it was last updated on June 22, 2026. This indicates a very recent update, suggesting active development.

What are the main complaints about TomoCredit?

User reviews highlight issues such as failure to report to major credit bureaus, expensive premium subscriptions, and a lack of responsive customer support. Some users also reported difficulty canceling subscriptions and unreliable credit score improvements.

What is the user sentiment for TomoCredit?

The overall user sentiment for TomoCredit is negative, with a rating of 3.4 stars from 523 ratings. While users appreciate its ease of use and credit-building tools, significant concerns exist regarding its reporting reliability and customer service.