# ScoreMaster® vs TomoCredit

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.

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.

## The numbers

| Metric | ScoreMaster® | TomoCredit |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.5 (13 ratings)](https://appshunter.io/ios/app/scoremaster/id1587923347/reviews) | **[3.4 (523 ratings)](https://appshunter.io/ios/app/tomocredit/id6504301873/reviews)** |
| Number of ratings | 13 | **523** |
| Positive reviews | 0.0% of reviews | **67.1% of reviews** |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Every 3 months | **Every 2 weeks** |
| Monetization | Ad-supported | **Free** |
| Size | 31 MB | 51 MB |
| Requires iOS | **13.0** | 15.1 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [ConsumerDirect Inc](https://appshunter.io/developer/783694783) | [TomoCredit Inc](https://appshunter.io/developer/1481385909) |

## What reviewers say

### ScoreMaster®

[App page](https://appshunter.io/ios/app/scoremaster/id1587923347)

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

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