# TomoCredit — Manage & Build Your Credit > Credit building and financial management app with AI assistance and rent reporting. (iPhone/iPad app by TomoCredit Inc.) - Source: https://appshunter.io/ios/app/tomocredit/id6504301873 (this page in markdown: same URL + `.md`) - Developer: [TomoCredit Inc](https://appshunter.io/developer/1481385909) - Category: Finance, Education - Price: Free - Rating: 3.44/5 from 523 App Store ratings · 494 written reviews indexed - Age rating: 4+ - Requires: iOS 15.1 · 51 MB - Languages: English - Released: 2024-08-21 - Data updated: 2026-09-02 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/tomocredit/id6504301873/reviews.md ## What is TomoCredit? Build Your Credit with Tomo Unlock your financial potential with Tomo, the ultimate platform for credit building and financial empowerment. Whether you're looking to improve your credit score, manage your bills, or gain deeper insights into your financial health, Tomo has you covered. Key Features: Up to $30,000 Credit Line Access a substantial credit line to enhance your purchasing power and build your credit history. 24 Months of Bill Tracking Keep track of your bills effortlessly and ensure timely payments with our comprehensive bill tracking system. Instant Credit Boost See an immediate improvement in your credit score with our instant credit boost feature. Rent Reporting Get credit for paying your rent on time! Our rent reporting service helps you build credit with your monthly rent payments. AI Financial Assistant Receive personalized financial advice and insights from our AI-powered assistant, guiding you to better financial decisions. Priority Support Enjoy dedicated and priority customer support for all your financial inquiries and issues. In-Depth Credit Report Get a detailed view of your credit profile with our comprehensive credit reports. Dispute Negative Remarks Challenge and remove inaccurate or negative remarks from your credit report with our dispute resolution service. Credit Monitoring Stay on top of your credit with real-time monitoring and alerts for any changes to your credit profile. Support for All Major Bureaus Benefit from our support for all major credit bureaus, ensuring your credit information is accurate and up-to-date. No Hard Credit Pulls Check your credit and utilize our services without any hard inquiries that could negatively impact your credit score. Take control of your financial future with Tomo. Download now and start building a better credit profile today! ## Key features - Up to $30,000 credit line - 24 months of bill tracking - Instant credit boost - Rent reporting - AI financial assistant - Dispute negative remarks - Credit monitoring ## What do users think of TomoCredit? Overall sentiment: negative **Pros** - 👍 Easy to use - 💡 Helpful credit consultations - 🚀 Clean, user-friendly design - 📈 Effective credit-building tools - 💰 Bonus cash back feature **Cons** - 🚫 Failure to report to major credit bureaus - 💸 Expensive premium subscription - 🤖 Lack of responsive customer support - 🔁 Difficulty canceling subscriptions - ❌ Unreliable credit score improvements **Commonly reported bugs** - App update issues - Billing and subscription problems **Most requested features** - Improved credit bureau reporting - More transparent pricing and service details - Enhanced customer support and communication ## Recent user reviews (10 of 494) All indexed reviews: https://appshunter.io/ios/app/tomocredit/id6504301873/reviews.md ### 1/5 — Don’t waste your money *2026-08-16, version 1.11.31* Paid $130 for v.i.p nothing was done to improve my credit they literally did nothing and took my money ### 5/5 — Tomo *2026-08-15, version 1.11.31* What a Great App! Awesome way to build credit & manage credit support and keep track of the payments online some apps doesn’t offer any of the services they have will definitely tell everyone about this !.. Love a good credit builder app way to save money. ### 5/5 — Great app! *2026-08-14, version 1.11.31* This really is a great app. It gives you insight on everything on your credit report down to what you’re spending on a daily/monthly basis. Options on loans that are suitable to you with whatever situation you’re in. There so much more to explore on here and it’s just very convient to get everything you want to see in one app! ### 5/5 — Great App to Manage Credit *2026-08-14, version 1.11.31* You can manage personal and business credit. You can also track daily spending habits and see where your money is going as well as showing upcoming expenses. ### 5/5 — Tomocredit *2026-08-14, version 1.11.31* The application is very good and has many options you can try it ### 5/5 — Super clean and easy to use! *2026-08-14, version 1.11.31* Logging in was a breeze, and I love that you don't have to hunt around to find your credit journey. it's right there. Seeing your credit summary immediately on the main page without having to click through a bunch of screens is awesome. Plus, having bill monitoring, quick loan rates, and insurance all in one place saves so much hassle with extra logins. Tracks spending smoothly and even lets you handle business credit too. Definitely worth checking out! ### 5/5 — Credit summary *2026-08-13, version 1.11.31* The tomo credit app lets me view my personal credit score and complete credit history from my iphone. It lets me dispute an entry if i need to, and allows me to track my personal spending. It also let me check my credit card application status in real time. This app is great for viewing all my credit information in one place! ### 5/5 — Love this app!! *2026-08-12, version 1.11.31* Everything just so smooth and in place ### 1/5 — Terrible service *2026-08-12, version 1.11.31* I’ve emailed them over 50 times to cancel my plan I’ve had to result in blocking every account that they’ve used to try and get them to stop I even got a new card to prevent it and somehow they got that to when I never gave them that so now I have to lock my card just to make sure they don’t get nothing I’m very dissatisfied that I’ve had to do all of that just because they won’t cancel like I’ve asked over 50 times ### 5/5 — Excellent service *2026-08-10, version 1.11.31* Financial management has never been better, tomo credit helps you monitor your spendings and gives you financial advice on how to utilize your financial assets and they helped me build my credit score, never been more grateful for using them I recommend them ## Frequently asked questions about TomoCredit ### 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. ## Version history (last 5 releases) ### 1.11.31 — 2026-06-22 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. ### 1.11.23 — 2026-04-18 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. ### 1.11.22 — 2026-01-27 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. ### 1.11.20 — 2026-01-19 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. ### 1.11.19 — 2025-12-09 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. ## Apps similar to TomoCredit | App | Rating | Price | Category | | --- | --- | --- | --- | | [Gauss: Payoff Credit Card Debt](https://appshunter.io/ios/app/gauss-payoff-credit-card-debt/id6445810443) | 4.9 (3,808) | Free | Finance | | [Grow Credit](https://appshunter.io/ios/app/grow-credit/id1482246872) | 4.8 (10,117) | Free | Finance | | [Arro: Build & Grow Credit](https://appshunter.io/ios/app/arro-build-and-grow-credit/id6449683788) | 4.6 (1,703) | Free | Finance | | [Kovo - Fast Credit Builder](https://appshunter.io/ios/app/kovo-fast-credit-builder/id6480379937) | 4.9 (11,306) | Free | Finance | | [RentReporters](https://appshunter.io/ios/app/rentreporters/id6477802434) | 4.1 (19) | Free | Finance | | [Neu Money: Build Your Credit](https://appshunter.io/ios/app/neu-money-build-your-credit/id1666496536) | 4.8 (1,278) | Free | Finance | ## More apps by TomoCredit Inc - [Tomo Card](https://appshunter.io/ios/app/tomo-card/id1511011956) - [Tomo IQ](https://appshunter.io/ios/app/tomo-iq/id6480527903) All apps by TomoCredit Inc: https://appshunter.io/developer/1481385909 ## Related topics [tomo credit](https://appshunter.io/ios/topics/tomo-credit) · [tomo](https://appshunter.io/ios/topics/tomo) --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-02.*