Smith brings decades of leadership in financial technology and open banking. As CEO of Finicity, a Mastercard company, he has been instrumental in expanding access to consumer-permissioned financial data across the credit ecosystem. His experience in scaling data-driven platforms and shaping fintech regulation will bring strategic depth to TomoCredit as it accelerates its growth and…

Starting a business is a bold and exciting move—but what if your credit score isn’t exactly where you want it to be? The short answer: yes, you can absolutely start a business with bad credit. However, it requires a proactive strategy, especially when it comes to repairing and improving your credit over time. While a…

Trying to rent an apartment with bad credit can feel like you’re constantly being judged for your past while just trying to move forward. A three-digit number—your credit score—often becomes a gatekeeper, standing between you and a safe, stable home. But here’s the truth: your credit score doesn’t define your worth, and it doesn’t determine…

With inflation still simmering, interest rates holding high, and market volatility causing anxiety in retirement portfolios, many Americans are asking themselves a critical question: “Can I really retire in the next 3 years?” For those in their late 50s or early 60s, this isn’t just a theoretical debate — it’s a financial and lifestyle decision…

When it comes to building credit, many people think they need to hit the magic number: 850—the highest possible credit score. But here’s the truth: you don’t need a perfect score to unlock excellent financial opportunities. In fact, once your credit score is in the high 700s, you’re already sitting in prime position to qualify…

The last few years have been a masterclass in economic whiplash. From pandemic-induced job losses to inflation spikes, housing market volatility, and rising interest rates, young adults—especially Gen Z—have entered adulthood under financial pressure. And with a job market that’s increasingly competitive and tech layoffs making headlines, the message is loud and clear: it’s time…

Tariffs are becoming an increasingly influential force in our economic lives, quietly reshaping the cost of everyday items. These import taxes, once a topic for trade economists and policymakers, now touch every consumer’s wallet. As governments impose tariffs on foreign goods—whether due to trade disputes or economic strategy—the prices of electronics, clothing, household products, and…

As of Q3 2024, Americans are carrying a staggering $1.16 trillion in credit card debt—an 8.6% increase from the previous year and a new all-time high, according to recent market reports. The average individual balance has also climbed, rising 3.5% to $6,730. While inflation and rising living costs have contributed to this trend, it’s clear…

TomoCredit is on a mission to simplify access to credit and provide personal finance education with an emphasis on inclusion for individuals often overlooked by traditional credit scoring systems. In the U.S. alone, over 28 million consumers are credit invisible, unable to fully participate in the economy due to the lack of a credit score.…

If building or rebuilding your credit is one of your goals this year, here’s a simple habit that can make a big difference: check your credit report every month. It’s easy, free, and can help you spot errors that may be quietly hurting your credit score.Your credit report is like your financial report card. Lenders,…