Comparison

ScoreMaster® vs TomoCredit

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

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.

Highlights
  • 24/7 Credit Monitoring
  • Credit Reporting Error Removal
  • Integrated Money Manager
  • Online Privacy Protection
  • Fraud Insurance
  • Credit Score Alerts
  • 3-Bureau Credit Report Comparison
Read full description

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!

About

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.

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
Read full description

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

ScoreMaster®3 screens
TomoCredit4 screens

Verdict

The call

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

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

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.

UpkeepUpdate frequency

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.

Scorecard7 real differences · 3 level
ScoreMaster® versus TomoCredit: the parameters behind the verdict, then further details
ParameterScoreMaster®TomoCredit
PriceFreeFree
Rating2.5 (13 ratings)3.4 (523 ratings) — better
Positive reviews0.0% of reviews67.1% of reviews — better
Number of ratings13523 — better
Update frequencyEvery 3 monthsEvery 2 weeks — better
AdsYesNo — better
In-app purchasesNoNo
MonetizationAd-supportedFree — better
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS13.0 — better15.1
Further details — not scored
Size31 MB51 MB
Age rating4+4+
DeveloperConsumerDirect IncTomoCredit Inc

Customer experience

ScoreMaster®

All ratings13 ratings
Positive30.8%
Neutral7.7%
Negative61.5%
Written reviews5 reviews
Positive0.0%
Neutral20.0%
Negative80.0%

TomoCredit

All ratings392 ratings
Positive61.2%
Neutral0.3%
Negative38.5%
Written reviews511 reviews
Positive67.1%
Neutral1.4%
Negative31.5%

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

None

ScoreMaster®

No in-app purchases

None

TomoCredit

No in-app purchases

Questions

Is ScoreMaster® free?
ScoreMaster® 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, ScoreMaster® or TomoCredit?
TomoCredit is rated higher. ScoreMaster® averages 2.5 out of 5 from 13 ratings, while TomoCredit averages 3.4 from 523 ratings.
Do ScoreMaster® or TomoCredit have ads?
ScoreMaster® shows ads; TomoCredit does not.
Which is updated more often, ScoreMaster® or TomoCredit?
ScoreMaster® ships an update every 3 months, and TomoCredit every 2 weeks. Most recently, ScoreMaster® was updated on June 7, 2026 and TomoCredit on September 23, 2026.

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