Practical guides on building credit, budgeting, saving, and using AI to manage your money. Written by the TomoCredit team, the people behind TomoBoost and TomoIQ, for anyone working toward their first good credit score or trying to make a paycheck go further.
For decades, the American Dream came with a checklist: career, house, mortgage, retirement. Gen Z and Millennials aren't rejecting those goals — they're questioning whether there's only one way to reach them.
TomoCredit has officially been named to the 2026 Inc. 5000 list of the fastest-growing private companies in America, joining past honorees like Microsoft, Meta, and Chobani.
Building winning consumer finance applications isn't just about adding AI. It's about creating experiences that help people feel informed, confident, and supported.
From immigrating to the United States at age 11 to building TomoCredit, Kristy Kim reflects on the curiosity, adaptability, and trust that shaped her entrepreneurial journey.
People are asking AI whether to pay off debt or invest, how to build credit, and what a good credit score is. What this shift really says is that consumers want guidance, not more products.
You can afford the rent, you have a job, you pay your bills on time — so why does your credit history matter when renting an apartment? Here's what landlords actually look for.
ChatGPT gave surprisingly solid advice on how to build credit — but the more I read its answer, the more I realized it was giving information, not guidance.
AI cannot magically raise your credit score overnight. But it can help people make better decisions, develop stronger habits, and avoid the mistakes that slow progress.
Younger consumers are bringing their most uncomfortable money questions to ChatGPT before they bring them to a bank. That shift says less about technology than it does about who financial guidance was ever really built for.
Moving to the U.S. comes with a long list of firsts — first apartment, first bank account, first credit card. This AAPI Month, here's how immigrants and AAPI communities can start building U.S. credit from scratch, and why it matters for everything that comes next.
A three-digit number used to be the whole story. Now consumers want their score to explain itself, show them what to do next, and reflect how they actually manage money — and the industry is starting to catch up.
Buy Now, Pay Later feels harmless — four small payments, no scary loan conversation. But the real risk isn't always your credit score; it's how easily those small payments stack up.
The language used on this page is for creative purposes only. TomoCredit (or TomoBoost) does not guarantee an increase in credit score. Individual results vary based on each person's unique credit history and financial circumstances, and subscription payments are non-refundable.