ScoreMaster® vs TomoCredit
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
ScoreMaster®
Take control of your credit, identity, money, and online privacy. This app offers tools to improve your credit score, monitor for fraud, and manage your finances all in one place.
- 24/7 Credit Monitoring
- Credit Reporting Error Removal
- Integrated Money Manager
- Online Privacy Protection
- Fraud Insurance
- Credit Score Alerts
- 3-Bureau Credit Report Comparison
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Ready to take ownership of your credit, identity, money, and online privacy? ScoreMaster® is the place for you. Need credit score points fast? Our average user adds 61 points in their first 20 days! We even have a personalized plan to help you achieve your best score. And that means qualifying for lower-rate mortgage loans, car loans, credit cards – everything you want out of life – saving you thousands in interest. We also help you maintain your credit score, take your online privacy back, and more with our complete list of mobile-first features (see below). Features 24/7 Credit Monitoring: Catch mistakes or fraudulent activity on your credit reports. Action Buttons: Remove credit reporting errors, remove identity theft, and ask questions directly with your creditors. Money Manager: Handle all your online banking, credit cards, and investments in one place. PrivacyMaster®: Remove your private information from third-party websites and stop them from selling it (at the push of a button). $1 Million Fraud Insurance: Full coverage for your whole family, including pre-existing issues. Alerts: Receive alerts for suspicious activity, payments due, and credit monitoring events. 3B Report & Scores: A side-by-side comparison of how your credit report looks across the three major credit bureaus. Many providers can help you with one or two of these areas, but ScoreMaster® is the first to combine it all in one platform. Get started now!
TomoCredit
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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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!
Screenshots
Verdict
The clearest difference is review sentiment: TomoCredit at 67% against ScoreMaster®'s 0%. TomoCredit also leads on rating (3.4 vs 2.5) and ads (none vs shown). ScoreMaster®'s advantage is iOS requirement (13.0 vs 15.1). On price, in-app purchases and device support there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
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, 3.4 against 2.5. That said, the two scores are not equally well evidenced: TomoCredit has 523 ratings behind it against 13, so its average is the more settled of the two. Written reviews point the same way: 0% of ScoreMaster®'s written reviews are positive against 67% of TomoCredit's.
ScoreMaster® ships an update every 3 months, TomoCredit every 2 weeks. The most recent releases landed on June 7, 2026 and September 23, 2026 respectively.
| Parameter | ScoreMaster® | TomoCredit |
|---|---|---|
| Price | Free | Free |
| Rating | 2.5 (13 ratings) | 3.4 (523 ratings) — better |
| Positive reviews | 0.0% of reviews | 67.1% of reviews — better |
| Number of ratings | 13 | 523 — better |
| Update frequency | Every 3 months | Every 2 weeks — better |
| Ads | Yes | No — better |
| In-app purchases | No | No |
| Monetization | Ad-supported | Free — better |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 13.0 — better | 15.1 |
| Further details — not scored | ||
| Size | 31 MB | 51 MB |
| Age rating | 4+ | 4+ |
| Developer | ConsumerDirect Inc | TomoCredit Inc |
Customer experience
ScoreMaster®
TomoCredit
Bugs and requests
ScoreMaster®
Not enough reviews yet to summarise bugs or requests.
TomoCredit
Reported bugs
2 issues- App update issues
- Billing and subscription problems
Requested features
3 requests- Improved credit bureau reporting
- More transparent pricing and service details
- Enhanced customer support and communication
In-app purchases
ScoreMaster®
No in-app purchases
TomoCredit
No in-app purchases









