TomoCredit Reviews

I purchased this credit line back in December 2024 and I have been waiting for 6 months for Tomo to report the credit line to the credit bureaus and my credit report and every time I call the customer service they always tell me that they don’t know that information and the phone number that they give me every time is for an automated system that is not for customer service and I can’t get anyone to answer my questions just a back and forth situation with them. And also I purchased the VIP package for $30 thousands credit line but they send me a message saying that they would report only $10 thousands credit line and I can’t get anyone to explain why.

I signed up for TomoBoost because they claim to help build credit by reporting a tradeline. That’s 100% false. They took my money, never reported anything to the credit bureaus, and when I asked for answers — they canceled my membership instead of fixing the issue.

TomoBoost is misleading customers, not delivering what they advertise, and ignoring legitimate complaints. I’ve saved screenshots, payment receipts, and proof showing no tradeline reporting whatsoever. Please do your research before signing up — this feels like a scam more than a credit-building service.

If you’ve had a similar experience, report them to the CFPB and FTC — consumers deserve transparency and accountability.

This company turned out to be a scam. Back when they offered the physical credit card they were great. Something happened and they took the card away to offer this TomoBoost service. From the start there were people complaining that the service wasn’t showing up on their credit. You had to email them a million times to get them to report. Then Ex, Eq and Ty realized how big of a scam/legal issue this company is and they refused to allow them to report ANYTHING to anyone’s credit anymore. So as of right now they legally cannot report to your credit so they are knowingly taking money from people without being able to fulfill the the service they claim to provide. They are robbing you. They won’t let you cancel, I’ve emailed them many times and they ignore it. I’ve had to replace my debit card to keep them from being able to charge me. DO NOT GIVE THESE PEOPLE ANY OF YOUR PERSONAL OR FINANCIAL INFORMATION.

this app markets itself as a solution for individuals aiming to build or improve their credit scores. However, recent developments have raised significant concerns about its effectiveness in fulfilling this promise.

In October 2024, reports emerged that Experian, TransUnion, and Equifax—the three major credit bureaus—terminated their data partnerships with this app, ceasing to include credit lines reported by the company. 

This severance has led to numerous customer complaints. Users have reported paying for services with the expectation of credit reporting, only to find no such activity on their credit profiles. For instance, a complaint filed in February 2024 highlighted that despite paying for a VIP credit improvement service, the promised line of credit was never reported, and the company continued to charge monthly fees. 

Given these issues, potential users should exercise caution. The lack of reporting to major credit bureaus undermines the primary purpose of using such a service. Exploring alternative credit-building options that maintain robust relationships with credit bureaus may be more effective.

In summary, while this app’s concept is appealing, its current inability to report to major credit bureaus renders it ineffective for credit-building purposes. Users should be aware of these limitations and consider other avenues

I had high hopes for this business but after using them for 2 months I am not at all pleased. I started with them about 2 months ago. Linked my bank, paid my monthly subscription, and did as instructed. After 2 months nothing was reported to any of the credit bureaus. No worries I'll just simply cancel. Nope, I'm immediately told through TomoCredit that I must schedule a phone call with them. I try to schedule the call and I received a real-time message that the link is broken. I go to email them and the tell me to email I guess a sub company of theirs. I haven't heard anything yet. Called my bank to report their charge as fraud. Would not recommend.

I made the mistake of signing up for a paid subscription to which I realized had no value for me. I spent three weeks emailing customer support to cancel my membership before I was charged again they quite literally just started ignoring my emails and refused to cancel it. Luckily the card I had linked was prepaid so couldn’t be charged they are still trying to charge it to this day. And are refusing to cancel the membership under any pretenses. I have all the emails to prove and where they stopped responding when I told them once again please cancel. Then there’s an option that says setup a call if u want to cancel to which you’ll then be given an error message. Apple remove TomoCredit unless they enable 1 click cancel it’s quite literally robbing people

Update: one day randomly I was charged a year later after writing this review. Once I contacted customer support they said “We do not show an active account with that number!” I said funny because you definitely charged me. I hope they go bankrupt and we can class action lawsuit them until the go so far under that person has to be homeless like i was trying to climb up. Don’t need some rich California guy taking my $20. He doesn’t need it

Do yourself a favor and take all the money that you would spend on this service and just pay down your debt. I signed up for the service about a year ago. And canceled a month afterwards. Only need to have them continuously bill me throughout the year after requesting a cancellation of my membership several times throughout 2024. If you run into the same problem, call your financial institution. Tell them to block all the charges coming from Tomo boost and then go ahead and change banks because they will continue to use bad business practices to get your money. In fact I just got billed this morning at 4 AM. What financial institution is open at 4 AM that repairs your credit?

There appears to be a problem with linking accounts. TomoCredit crashes right away when attempting to redirect to a banking app or website. Could you please investigate this issue? It seems that this glitch is affecting multiple users, leading to frustration and confusion. Additionally, the error message displayed does not provide any helpful information for troubleshooting. A timely resolution would greatly enhance user experience and restore confidence in TomoCredit 's functionality. Please keep me updated on any progress made in addressing this concern.

Financial stuff can be stressful and sometimes even embarrassing. What I appreciated about TomoBoost is that I never felt judged or rushed. The support team made me feel seen and respected, no matter what my credit score looked like or how basic my questions were. The took the time to listen and explain things at my pace . It’s rare to find that level of care in any customer service experience, let alone the financial world.

Clean interface. This is a tool about starting a goal. It takes your goal and helps you put together a plan to achieve it. It starts by asking for your goal. I chose “own a car.” It took me to a “let’s get started” page. I would prefer a more realistic or at least colorful image. When I select “get started” it jumps into an almost chatbot like prompt. It starts with asking credit score. One feature I thought was neat is it allows you to check your score in-app. It’s also free. The tool is protected through encryption, credit will not be impacted, and your data will never be sold. The visual is perfect. After entering SSN and two factor authentication, it provided my credit score in a clean, clear way. This feature is free but it provides additional features in the upgraded profile—rent reporting, AI financial assistant, disputes. After exiting the credit preview it takes you to the home page. The home page is a bit underwhelming. Full reports and analytics are available in-app. Other cool features—monitor bills, subscription tracking, dispute inaccuracies, bill tracking, and credit card option. They should flesh out the features with actionable centers that teach smart saving strategies, how to improve credit, providing a diary or action plan. This feels half-complete. It needs more color, more dynamic images, more branding, and real images. The tool itself is great just needs more advanced features and visuals.

Overall, it’s a very user-friendly app with intuitive navigation and clean, well-structured pages. It presents a large amount of information in a clear, digestible way, making it easy for users to understand the status of their credit and their spending. The integrated AI assistant further enhances the experience by explaining the “why” behind key insights. Together, these features create a smooth and confident user journey.

Overall a useful and efficient app. It’s easy to download and easy to set up. Gives an accurate credit report and a full report and also gives you your credit history for free. There are different levels of membership with various levels of benefits. The basic membership is pretty affordable. It makes it easy to boost your credit and keep an eye on your credit usage.

TomoCredit features a user-friendly design that simplifies the process of tracking various expenses, including rent and utility bills. Accessing your credit score is straightforward and requires just a single tap, contributing to a stress-free experience. Notably, TomoCredit includes an innovative spending tracker that provides valuable insights into spending habits, allowing users to better understand where their money is allocated.

Tomo Credit and TomoBoost have a very helpful programme with great benefits for both paid and unpaid users. I found that they have a seamless signup process and a very well integrated user interface for their app.
It was easy to signup and the information provided was very clear about uses and benefits for helping improve my credit. They also offer a very helpful credit card that helps build credit even without a strong credit history and it doesn’t even impact your score.

TomoBoost is a great convenient app that provides a variety of credit services. Tomoboost is available on Google Play and App Store, and it’s very user friendly and is quick and easy to signup. The platform not only offers guidance for financial advisement, but it also helps you stay on track with your credit utilization. With Tomo Credit, you will feel more confident about your financial future and empowered to make much smarter credit decisions. Highly recommend to give it a try!!

TomoBoost offers an accessible pathway for building credit, particularly for those with limited history, by reporting recurring payments like rent and utilities to major credit bureaus. While the platform has strong potential for quickly establishing a positive credit profile on, users frequently report major difficulties with customer service, including frustrating subscription cancellation and billing issues. Therefore, this credit-building tool is best used with extreme caution and diligent monitoring of your linked accounts and subscription charges.

The Tomo Boost app has a really clean and modern look at first glance when I opened TomoCredit . I love how the features are organized into different categories, which includes everything from tracking habits to setting goals. It looks straightforward and is easy to understand. The interface feels bright and motivating, and the overall design makes TomoCredit seem beginner friendly and easy to get into. It seems like a good option for anyone who is looking for a clear, visually appealing way to stay on top of their routines.

TomoCredit has been an absolute lifesaver for getting my credit journey started. As someone who didn’t have much of a credit history, getting access to a line “up to $30,000” really made me feel empowered—finally, a little boost to help me catch up!

The bill tracking and rent reporting features are amazing. I love that even paying rent now works in my favor. It’s nice to finally get rewarded for doing what I was already doing (just with a little more urgency now, haha).

The AI financial assistant is super helpful too—it always seems to have a recommendation ready, especially when I’m tempted to make another purchase. Almost feels like it knows I might need a little more credit soon. Creepy smart!

Overall, this platform has everything: instant boosts, detailed reports, and lots of helpful nudges to keep things moving… sometimes a little faster than expected, but hey—that’s motivation, right?

Highly recommend if you’re looking to establish credit and don’t mind a little momentum along the way!

As I have given the time to get to know Tomo Credit as an app, I have taken quite a liking to it. I am a first time user and was initially intimated by the idea of associating an app with building my credit. However, I found Tomo Credit to be user friendly, visually appealing, and overall a great asset in my credit journey. I’d encourage others including friends and family to give it a enthusiastic try!

Prior to using Tomo I didn’t even check my FICO score regularly, in fear that my credit score would diminish. I had to check my statements on a reoccurring basis with anxiety that my score would fluctuate. However now I am able to link all of my info to one platform and go about my finances with ease.

This is a great new credit and spending app that is easy to use with a very user friendly interface. It is a one stop place to monitor your credit, spending and you can even dispute inaccuracies that are on your credit report. None of the free credit apps offer that feature. They also offer a credit card that helps build your credit score.