# TomoCredit — user reviews > 494 indexed App Store user reviews of TomoCredit by TomoCredit Inc, rated 3.44/5 from 523 ratings. - Source: https://appshunter.io/ios/app/tomocredit/id6504301873/reviews - App overview in markdown: https://appshunter.io/ios/app/tomocredit/id6504301873.md - Rating breakdown: 5★ 223 · 4★ 17 · 3★ 1 · 2★ 2 · 1★ 149 ## 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 ## Newest reviews (14 of 494) ### 4/5 — Good app *2026-08-04, version 1.11.31* This app seems to be in the process of being very very helpful to people. When I browsed and tested the app I saw a lot of things that I would use atleast every week. Anywhere from your credit report to disputes to 1:1 consultation for your credit! ### 4/5 — Little like mint and Karma *2026-08-03, version 1.11.31* Kind of has a lot of the major feature competing apps have only one of. Credit apps only have credit info, mint has spending but less credit. I like the budget forecasting. I used to get paid once a month that would been nice, all those small re-occurring charges add up. ### 4/5 — Not bad *2026-07-31, version 1.11.31* I think I’ll get good use out of this app. I’m trying to build my credit back up after a repo and forced retirement due to disability. Good find! ### 5/5 — Finally an alternative to ad-packed credit boosters *2026-07-30, version 1.11.31* I have tried a myriad of apps calling themselves credit-boosting this and that. What I wanted was simply to get my scores, reports, some good advice and not be inundated with offers or requests to “join for more…”. TomoCredit stepped up and does all that and more in a polished interface, intuitive sections, all the while giving you all the information you want and none you don’t. ### 4/5 — Working well *2026-07-29, version 1.11.31* I am glad, I came across tomo, it’s a great app. Interface looks user friendly, Thank you. ### 5/5 — Great app *2026-07-28, version 1.11.31* Testing the application it has some nice features. The referral bous is awesome. ### 4/5 — Pretty good *2026-07-23, version 1.11.31* The app was easy to navigate around and the functionality was pretty simple,I could access my credit very easily. ### 4/5 — Great app! *2026-07-23, version 1.11.31* I liked the tomo spending feature and how the app can recommend way to save and where to cut back The credit monitoring reminds me a lot of Credit Karma, with credit score, summery and review. I like the dispute section a lot, and being able to fix errors from within the platform ### 5/5 — Everything in one place *2026-07-22, version 1.11.31* I really like how this app Consolidate everything into one place to help you monitor your credit as well as your finances. They also have a one-on-one feature which schedules you with an advisor to help you come up with strategies and tips on how to boost your credit and what options are available. It also gives you a list of all the loans lenders that are available, as well as having a space that shows all your expenses. They really thought of all the things that you would want to have and put it in one place. ### 5/5 — new ai assistant *2026-07-13, version 1.11.31* love new features ### 5/5 — Great app! *2026-07-03, version 1.11.31* 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. ### 5/5 — It does the job! *2026-06-25, version 1.11.31* 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. ### 5/5 — Easy to budget *2026-06-23, version 1.11.31* All in one app that makes it easy to track your money. Now I can be organized with financial guidance. ### 4/5 — Review *2026-06-20, version 1.11.23* Pretty awesome app with numerous short cuts I highly recommend overall highly recommended ## Most critical reviews (10 lowest-rated) ### 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 ### 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 ### 1/5 — Predatory company *2026-08-10, version 1.11.31* They do nothing but still consumers money and make it impossible for you to cancel your subscription. Class action lawsuit is in process as we speak ### 1/5 — Scam don’t sign up *2026-08-03, version 1.11.31* Total scam. Can’t add accounts to receive line of credit. Customer service does not respond I’ve submitted tickets and 51 emails with no response. Paid the $15 to sign up anytime I try to do anything it wants an upgrade. Total scam. Filed a dispute for charges! ### 1/5 — The most unethical company I have ever had misfortune to come across. *2026-06-27, version 1.11.31* 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. ### 1/5 — Pay first *2026-06-26, version 1.11.31* They immediately want you to pay before you can even explore the app and check things out. ### 1/5 — Scam *2026-06-16, version 1.11.23* They took money out of my account without my permission and I’ve been trying to get a refund for weeks no reply to none of my emails what can I do about this or who can I contact about my refund ### 1/5 — Horrible Customer Service *2026-06-12, version 1.11.23* SCAM! Stay away from this fraudulent company. I signed up for the monthly service but when I log in to look at my account, I’m forced to sign up for “TomoIQ” before I can even look at my dashboard. I’ve contacted them several times to find out why I have to pay an additional monthly fee and have never heard back from them. I will be reporting them to the BBB and attempt to cancel my subscription. Based on other reviews, I’ll probably get the run around. I hope this company gets the karma they deserve. ### 1/5 — Scam *2026-06-09, version 1.11.23* Will make you pay at first, then ask you to pay again! You have to pay to even see what they have to offer and will not refund ### 1/5 — Bad Work *2026-06-03, version 1.11.23* I’ve downloaded the app to find that everything they offer here I do elsewhere for a fraction to no cost for what they charge. I sent out 3 emails to cancel my account and the only response I got was a welcome aboard email. I looked into them at BBB and they have hundreds of complaints mainly ignoring customer’s requesting service. -5 stars for me, don’t buy into what they are not selling, might as well be a scam company the way they operate!!! ## Most praised reviews (10 highest-rated) ### 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 ### 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 ### 5/5 — Perfect! *2026-08-10, version 1.11.31* Everything that has to do with your credit in one place. Really nice layout and easy to use. ### 5/5 — Easy to navigate *2026-07-30, version 1.11.31* I’ve had a pretty good experience with this app overall. It makes credit tracking feel a lot less confusing, and I like that I can keep an eye on my progress without needing a finance degree and a cup of strong coffee. The app is simple, easy to use, and helpful for staying on top of my credit goals. --- *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 2026-08-28.*