{"id":949,"date":"2026-03-24T00:16:50","date_gmt":"2026-03-24T00:16:50","guid":{"rendered":"https:\/\/tomocredit.com\/blog\/?p=949"},"modified":"2026-03-24T00:16:51","modified_gmt":"2026-03-24T00:16:51","slug":"tomocredit-consumer-value-report-82-of-california-users-improved-their-credit-scores","status":"publish","type":"post","link":"https:\/\/tomocredit.com\/blog\/tomocredit-consumer-value-report-82-of-california-users-improved-their-credit-scores\/","title":{"rendered":"TomoCredit Consumer Value Report: 82% of California Users Improved Their Credit Scores"},"content":{"rendered":"\n<h1 class=\"wp-block-heading\"><\/h1>\n\n\n\n<p><strong>Published:<\/strong> March 23, 2025 | <strong>Category:<\/strong> Credit Building, Financial Inclusion, Fintech News<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p>If you&#8217;re one of the millions of Californians trying to build or improve your credit score, you&#8217;re not alone \u2014 and new data from TomoCredit shows that real progress is happening fast.<\/p>\n\n\n\n<p>TomoCredit, a San Francisco-based fintech company, has just released its latest <strong>TomoCredit Consumer Value Report<\/strong>, and the results are striking: <strong>82% of California users saw their credit scores increase<\/strong> after using TomoCredit&#8217;s financial products.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">What the TomoCredit Consumer Value Report Found<\/h2>\n\n\n\n<p>The report analyzed a sample of <strong>5,663 California users<\/strong> and revealed a clear pattern of positive credit outcomes:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u2705 <strong>82% of users (4,661 people)<\/strong> achieved credit score increases ranging from 0 to 776 points<\/li>\n\n\n\n<li>\u274c <strong>18% of users (1,002 people)<\/strong> experienced negative changes<\/li>\n<\/ul>\n\n\n\n<p>That means more than <strong>4 out of 5 TomoCredit users in California<\/strong> are actively moving in the right financial direction \u2014 building stronger credit profiles and expanding their financial opportunities.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Why This Matters for Californians Building Credit<\/h2>\n\n\n\n<p>California is home to one of the most economically diverse populations in the country. Yet millions of residents \u2014 including recent immigrants, young adults, and gig workers \u2014 struggle to access traditional credit products because they lack an established credit history.<\/p>\n\n\n\n<p>TomoCredit was built specifically for these consumers: the <strong>credit-invisible<\/strong> and <strong>credit-underserved<\/strong>. Instead of relying on traditional FICO-based underwriting, TomoCredit uses <strong>TomoScore, a proprietary cash flow-based underwriting<\/strong>, evaluating a user&#8217;s income and spending patterns to determine creditworthiness. This opens the door to credit access for people who would otherwise be turned away.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">How TomoCredit Helps You Build Credit \u2014 Without the Hidden Fees<\/h2>\n\n\n\n<p>One of the most common barriers to credit building is cost. Many secured cards and credit-builder products come loaded with fees that eat into your finances before you&#8217;ve even started.<\/p>\n\n\n\n<p>TomoCredit offers a personalized recommendation after carefully analyzing consumers financial profiles using both credit score (FICO) and cash flow based score (TomoScore). Tomo often recommends low-risk products such as:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>No annual fees<\/strong><\/li>\n\n\n\n<li><strong>No interest charges<\/strong> on its core products<\/li>\n\n\n\n<li><strong>No traditional credit history required<\/strong> to get started<\/li>\n\n\n\n<li><strong>Automatic <\/strong>payment and reporting to major credit bureaus to help grow your score over time<\/li>\n<\/ul>\n\n\n\n<p>This model is why so many California users are seeing measurable improvements \u2014 the product is designed to work <em>for<\/em> the user, not extract value from them.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">What TomoCredit&#8217;s CEO Says About the Data<\/h2>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><em>&#8220;This report highlights the real, measurable impact we&#8217;re having on consumers&#8217; financial lives. The fact that over 80% of our California users are improving their credit scores demonstrates the effectiveness of our approach to expanding credit access.&#8221;<\/em><\/p>\n\n\n\n<p>\u2014 <strong>Kristy Kim, CEO of TomoCredit<\/strong><\/p>\n<\/blockquote>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">TomoCredit&#8217;s Commitment to Financial Inclusion<\/h2>\n\n\n\n<p>The release of this Consumer Value Report is part of TomoCredit&#8217;s broader mission to drive <strong>financial inclusion<\/strong> across the United States. By publishing transparent data on user outcomes, TomoCredit is holding itself accountable to the consumers it serves.<\/p>\n\n\n\n<p>California is a key market and proving ground for this model \u2014 and the numbers show it&#8217;s working.<\/p>\n\n\n\n<p>Whether you&#8217;re new to credit, rebuilding after a setback, or simply looking for a smarter way to grow your score, TomoCredit offers a path forward backed by real results.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Ready to Start Building Your Credit?<\/h2>\n\n\n\n<p>Join thousands of Californians who are already improving their financial futures with TomoCredit.<\/p>\n\n\n\n<p>\ud83d\udc49 <strong><a href=\"https:\/\/www.tomocredit.com\">Visit TomoCredit.com to get started<\/a><\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">Frequently Asked Questions<\/h3>\n\n\n\n<p><strong>Does TomoCredit work if I have no credit history?<\/strong> Yes. TomoCredit uses cash flow-based underwriting, so you don&#8217;t need a traditional credit history to qualify.  TomoCredit AI brings together your credit report and cash flow to show what is really driving your score\u2013 and what to do next<\/p>\n\n\n\n<p><strong>How quickly can I improve my credit score with TomoCredit?<\/strong> Results vary, but the Consumer Value Report shows that the majority of users see positive changes in their credit profiles over time.<\/p>\n\n\n\n<p><strong>Is TomoCredit available in California?<\/strong> Yes. TomoCredit is headquartered in San Francisco and has a significant and growing California user base.<\/p>\n\n\n\n<p><strong>What is TomoCredit used for?<\/strong> TomoCredit offers both paid and free services; Millions of consumers use TomoCredit for financial literacy- knowing their credit score, improve their credit score, knowing their cash flow, maximize their savings, automate bill payments and improve overall financial health. Tomo helps consumers build credit without unnecessary costs.<\/p>\n\n\n\n<p><strong>What happened to TomoCredit?<\/strong> TomoCredit scaled fast and expanded its target audience. Tomo is designed for people who struggle to get traditional credit, such as:\u00a0Individuals looking to build credit for the first time, business owners, Immigrants or foreign nationals, International students.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p><em>For more information, visit <a href=\"https:\/\/www.tomocredit.com\">tomocredit.com<\/a><\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Published: March 23, 2025 | Category: Credit Building, Financial Inclusion, Fintech News If you&#8217;re one of the millions of Californians trying to build or improve your credit score, you&#8217;re not alone \u2014 and new data from TomoCredit shows that real progress is happening fast. TomoCredit, a San Francisco-based fintech company, has just released its latest [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-949","post","type-post","status-publish","format-standard","hentry","category-tomocredit-consumer-value-report-california-credit-score-growth"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>TomoCredit Consumer Value Report: 82% of California Users Improved Their Credit Scores - TomoCredit Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/tomocredit.com\/blog\/tomocredit-consumer-value-report-82-of-california-users-improved-their-credit-scores\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"TomoCredit Consumer Value Report: 82% of California Users Improved Their Credit Scores - TomoCredit Blog\" \/>\n<meta property=\"og:description\" content=\"Published: March 23, 2025 | Category: Credit Building, Financial Inclusion, Fintech News If you&#8217;re one of the millions of Californians trying to build or improve your credit score, you&#8217;re not alone \u2014 and new data from TomoCredit shows that real progress is happening fast. 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