How to Get an Apartment with Bad Credit?
Trying to rent an apartment with bad credit can feel like you're constantly being judged for your past. But your credit score doesn't define your worth, and it doesn't determine your future.
The TomoCredit Blog
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.
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Can You Retire in the Next 3 Years?
With inflation still simmering, interest rates holding high, and market volatility causing anxiety in retirement portfolios, many Americans are asking: can I really retire in the next 3 years?
What Is a Good Credit Score? (Hint: You Don't Need an 850)
You don't need a perfect score to unlock excellent financial opportunities. Once your credit score is in the high 700s, you're already sitting in prime position to qualify for the best offers.
Emergency Funds & Credit Scores: The Ultimate Glow-Up Combo
Your emergency fund acts as a buffer when things go wrong. Your credit score is the gateway to future opportunities. The smartest play isn't just to save—it's to build both at the same time.
Navigating Tariffs and Personal Finance Amidst Panic Buying
Tariffs are quietly reshaping the cost of everyday items, sparking a wave of panic buying. Financial resilience doesn't come from hoarding—it comes from clarity, control, and confidence.
Credit Card Debt Hits Record High: How to Protect Your Finances in 2025
As of Q3 2024, Americans are carrying a staggering $1.16 trillion in credit card debt—a new all-time high. Here's how to protect your finances without needing a finance degree.
TomoCredit Recognized with “Personal Finance Innovation Award” in 9th Annual FinTech Breakthrough Awards Program
TomoCredit's AI-powered Marketplace and TomoScore earned it the Personal Finance Innovation Award in the 9th Annual FinTech Breakthrough Awards, recognizing its mission of credit inclusion.
Why a Monthly Credit Report Check Matters
If building or rebuilding your credit is a goal 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 spot costly errors.
What to do when only one spouse has great credit
A big gap in credit scores between partners doesn't just affect borrowing power—it can impact everything from renting an apartment to securing a car loan. But credit isn't set in stone.
TomoCredit Welcomes Former Experian CTO, Joseph Lindsay, as Chief Technology Officer
Joseph Lindsay, former CTO of Experian Open Banking, joins TomoCredit as Chief Technology Officer to lead the development of its AI Marketplace and expand access to credit for underserved communities.
Hard Pull vs. Soft Pull: What's the Difference and Why It Matters for Your Credit?
One of the most overlooked aspects of the credit approval process is the difference between a hard pull and a soft pull. Both review your credit history, but they affect your score very differently.
How to Utilize High-Yield Saving for Long Term Financial Freedom
Financial freedom isn't just about earning more—it's about making your money work for you. A high-yield savings account is a powerful, often overlooked tool to build wealth without unnecessary risk.
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.