# eCredable LiftLocker vs TomoCredit

The clearest difference is review sentiment: TomoCredit at 67% against eCredable LiftLocker's 0%. TomoCredit also leads on rating (3.5 vs 1.8) and ads (none vs shown). On price, in-app purchases, device support and iOS requirement there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

TomoCredit holds the better App Store score, 3.5 against 1.8. That said, the two scores are not equally well evidenced: TomoCredit has 579 ratings behind it against 9, so its average is the more settled of the two. Written reviews point the same way: 0% of eCredable LiftLocker's written reviews are positive against 67% of TomoCredit's.

eCredable LiftLocker ships an update every 5 weeks, TomoCredit every 2 weeks. The most recent releases landed on October 30, 2026 and October 27, 2026 respectively.

## The numbers

| Metric | eCredable LiftLocker | TomoCredit |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [1.8 (9 ratings)](https://appshunter.io/ios/app/ecredable-liftlocker/id1579967403/reviews) | **[3.5 (579 ratings)](https://appshunter.io/ios/app/tomocredit/id6504301873/reviews)** |
| Number of ratings | 9 | **579** |
| Positive reviews | 0.0% of reviews | **67.2% of reviews** |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Every 5 weeks | **Every 2 weeks** |
| Monetization | Ad-supported | **Free** |
| Size | 126 MB | 51 MB |
| Requires iOS | **15.0** | 15.1 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 12+ | 4+ |
| Developer | [eCredable.com, LLC](https://appshunter.io/developer/1579967405) | [TomoCredit Inc](https://appshunter.io/developer/1481385909) |

## What reviewers say

### eCredable LiftLocker

[App page](https://appshunter.io/ios/app/ecredable-liftlocker/id1579967403)

This financial assistant helps you understand and leverage your credit to access better offers. It provides tools for budgeting, credit building, and preparing for major financial milestones like homeownership, with educational resources and a secure document vault.

**Highlights:** Credit score, report, and monitoring, Budgeting and savings goal setting, Phone and utility bill reporting for credit building, Financial education articles and videos, Home buying readiness assessment and mortgage calculator, Real estate property search, Secure document vault

**In-app purchases:** none


### TomoCredit

[App page](https://appshunter.io/ios/app/tomocredit/id6504301873)

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.

**Highlights:** Up to $30,000 credit line, 24 months of bill tracking, Instant credit boost, Rent reporting, AI financial assistant, Dispute negative remarks, Credit monitoring

**Features:** macOS Compatibility

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

- 🚫 Failure to report to major credit bureaus
- 💸 Expensive premium subscription
- 🤖 Lack of responsive customer support
- 🔁 Difficulty canceling subscriptions
- ❌ Unreliable credit score improvements

**Reported bugs**

- App update issues
- Billing and subscription problems

**Requested features**

- Improved credit bureau reporting
- More transparent pricing and service details
- Enhanced customer support and communication


## Frequently asked questions

### Is eCredable LiftLocker free?

eCredable LiftLocker is free to download, with no in-app purchases.

### Is TomoCredit free?

TomoCredit is free to download, with no in-app purchases.

### Which has better reviews, eCredable LiftLocker or TomoCredit?

TomoCredit is rated higher. eCredable LiftLocker averages 1.8 out of 5 from 9 ratings, while TomoCredit averages 3.5 from 579 ratings.

### Do eCredable LiftLocker or TomoCredit have ads?

eCredable LiftLocker shows ads; TomoCredit does not.

### Which is updated more often, eCredable LiftLocker or TomoCredit?

eCredable LiftLocker ships an update every 5 weeks, and TomoCredit every 2 weeks. Most recently, eCredable LiftLocker was updated on October 30, 2026 and TomoCredit on October 27, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*