TomoCredit

TomoCredit

Manage & Build Your Credit

579 ratings
516 reviews
Free

Details

Released
August 21, 2024
Updated
June 22, 2026

Features

TomoCredit screenshot #1 for iPhone
TomoCredit screenshot #2 for iPhone
TomoCredit screenshot #3 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.

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

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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

Tradeline

I initially downloaded and paid to get access to a tradeline. You’ll have to pay to access the app then pay for the tradeline. This is deceptive. It took me 2 months to cancel. I emailed them for 2 months. They charged me for both.

A Convenient Way to Build Credit

A Convenient Way to Build Credit

The TomoCredit app caught my attention because it offers a different approach to building credit without relying on a traditional credit card. I like the idea of having an app that makes it easier to keep track of my credit-building progress in one place. The setup seems geared toward people who want a simpler way to work toward improving their credit history. I also appreciate that TomoCredit focuses on making credit more accessible to people who may have limited credit history. Having helpful information available through an app can make managing finances feel less overwhelming. I would recommend taking time to review the fees, eligibility requirements, and terms before getting started. Overall, TomoCredit looks like a useful option for people who want to explore alternative ways to build their credit.
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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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Geetha

Very helpful and easy to navigate

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…

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.