The TomoCredit Blog

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?

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.

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.

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.

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'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.

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.

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.

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.

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.

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.

Whether it's a medical bill, a car repair, or just making ends meet before payday, cash advances and early wage access provide immediate financial relief when cash flow is tight.