Know your
financial story.
TomoCredit AI brings together your credit
report and cash flow to show what is really
driving your score– and what to do next
report and cash flow to show what is really
driving your score– and what to do next
Trusted by 4 million+ people
Hear what others have to say
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Ask Tomo what your score can't tell you.
We make your credit journey easy
STEP 1
Connect
Securely link your credit report and bank accounts in under two minutes. We use bank-level encryption—your data never leaves your control.
STEP 2
Understand
See your credit score and TomoScore side by side with plain-English explanations of what's helping, what's hurting, and why.
STEP 3
Improve
Get a simple weekly action plan: what to fix, what to build, and when to act—personalized to your situation.