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TomoCredit

TomoCredit

Manage & Build Your Credit

523 ratings
514 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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Reviews summary↘︎
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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
See all reviews

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

Only finance app you’ll need

This app is the only financial literacy app you'll need. I would recommend this to all young adults starting out .It keeps track of your credit history,credit accounts, credit errors, offers business credit growth advice (even cards and loans), bill monitoring, and optimized insurance options, It helps with your next financial steps by offering 1 on 1 credit consultation and capital resources for business owners as well.
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JasminehjkiJasminehjki

Geetha

Very helpful and easy to navigate
Shorty20000.Shorty20000.

Site Seems To Be A Great App

I was presented with this app and after I looked at it and searched around I see a lot of great opportunities available to help in different areas..To me I think it is beneficial to try out…
MrMackclainMrMackclain

Simply Amazing!

Simple yet aesthetically pleasing interface. The option to specialist for more help beyond the already informative sections in the app itself is just perfect! Wish I had this type of thing available to me when I was younger! But even now… I’m def still learning a thing or two from this app! A++++ Highly recommended!
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MommaDukez469MommaDukez469

I love their credit error dispute feature- AI found them

i need errors to fix
Lisa ElfinLisa Elfin
See 509 more reviews

Developer apps

Tomo Card
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Build Amazing Credit

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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.