TomoCredit

Hella unauthorized transactions. Waste of money and in modern day is a huge scam don’t fall for it. So many credited credit company’s(Capitol One, Chase, Bank of America, Discover) have options for credit building options and they have worked amazingly for me and my situation. I’ve saved THOUSANDS of dollars in the last 9 months sticking the legitimized lenders and staying away from these deceiving apps that make it seem like there giving you that instant gratification of seeing your score jump. Doesn’t happen. Credit bureaus will never take apps and stupid subscriptions like this serious. And 100% Lenders think stuff like this is a complete hoax. Take it from the professionals. I never take the time to write a stupid review but I thought I ought to put it out there. Their customer support is automated. You’ll never get a personally response from them. TOO THIS DAY they charge my card for a stupid subscription for nothing better than what I get from my experian account ( Agian Very well credited company) Work with credited credit lenders with their credit building options and you will see strong result. Build a strong report that lenders won’t look over and pass on. Tomo is worthless. I’ve sent 12 emails demanding my account closed and the rapid unnecessary transactions to stop. It’s been two weeks since I’ve sent in my report to the better business bureaus and they still try to charge my card. I can’t access my account at all on the app or the website on my phone or the computer due to the fact that they demand my card information. No other way around to get to your account settings and delete it officially. You have to email an automated email system and never reach a human being. Take my word for it please.

I feel this app would be good for someone who is not aware of their credit score and would like to build their credit and has goals in mind to purchase a new car, new home, or starting a new business. There is an easy online credit dispute section to address concerns on your credit report. The only minor issue I have is that not all banks in particular if you have a prepaid/online bank it will not be an option to link your account. I would definitely utilize this with a new bank account if I was starting a new business and wanted to maximize my credit power and track my expenses to grow my business credit.

Clean interface. This is a tool about starting a goal. It takes your goal and helps you put together a plan to achieve it. It starts by asking for your goal. I chose “own a car.” It took me to a “let’s get started” page. I would prefer a more realistic or at least colorful image. When I select “get started” it jumps into an almost chatbot like prompt. It starts with asking credit score. One feature I thought was neat is it allows you to check your score in-app. It’s also free. The tool is protected through encryption, credit will not be impacted, and your data will never be sold. The visual is perfect. After entering SSN and two factor authentication, it provided my credit score in a clean, clear way. This feature is free but it provides additional features in the upgraded profile—rent reporting, AI financial assistant, disputes. After exiting the credit preview it takes you to the home page. The home page is a bit underwhelming. Full reports and analytics are available in-app. Other cool features—monitor bills, subscription tracking, dispute inaccuracies, bill tracking, and credit card option. They should flesh out the features with actionable centers that teach smart saving strategies, how to improve credit, providing a diary or action plan. This feels half-complete. It needs more color, more dynamic images, more branding, and real images. The tool itself is great just needs more advanced features and visuals.