The TomoCredit Blog

Holiday purchases can lower your credit score even when you pay on time. Learn how credit utilization and reporting dates affect your score and how to manage them.

Bad credit doesn't mean you have to give up on getting a credit card. Learn which card types may fit your profile and how to improve your approval chances.

AI is making shopping easier, but convenience and smart financial decisions aren't the same thing. Learn how to use AI tools to help you spend smarter, not just faster.

Early holiday deals are everywhere, but finding something at a lower price doesn't mean it fits your budget. Before you check out, give your upcoming bills a vote.

The most useful financial AI might be the one that helps you tackle the money task you've been avoiding. When life gets busy, managing money often falls to the bottom of your to-do list—but it doesn't have to be complicated.

Founder and CEO Kristy Kim shares the personal experience that inspired TomoCredit in SUCCESS magazine, revealing how a credit rejection sparked a mission to expand financial access for everyday Americans.

A Fed rate increase doesn't require an economics degree to understand. Here's a practical framework for checking your card's APR and taking control of your debt.

Rising living costs don't mean you have to overhaul your life. These five everyday categories are where small, sustainable changes add up the fastest.

Most passive income advice assumes you're starting with real estate money or a stock portfolio. Here's how to start with $10, $25, or $50 at a time instead.

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.