The TomoCredit Blog

Building winning consumer finance applications isn't just about adding AI. It's about creating experiences that help people feel informed, confident, and supported.

From immigrating to the United States at age 11 to building TomoCredit, Kristy Kim reflects on the curiosity, adaptability, and trust that shaped her entrepreneurial journey.

People are asking AI whether to pay off debt or invest, how to build credit, and what a good credit score is. What this shift really says is that consumers want guidance, not more products.

You can afford the rent, you have a job, you pay your bills on time — so why does your credit history matter when renting an apartment? Here's what landlords actually look for.

ChatGPT gave surprisingly solid advice on how to build credit — but the more I read its answer, the more I realized it was giving information, not guidance.

AI cannot magically raise your credit score overnight. But it can help people make better decisions, develop stronger habits, and avoid the mistakes that slow progress.

Moving to the U.S. comes with a long list of firsts — first apartment, first bank account, first credit card. This AAPI Month, here's how immigrants and AAPI communities can start building U.S. credit from scratch, and why it matters for everything that comes next.

A three-digit number used to be the whole story. Now consumers want their score to explain itself, show them what to do next, and reflect how they actually manage money — and the industry is starting to catch up.

No missed payments, no big purchases, and your score still dropped? Here are seven sneaky reasons credit scores dip for seemingly no reason — and what to do about each one.

A low credit score does not have to be the end of your business plans. Here is a realistic roadmap for funding a new business and building business credit while you keep working on your personal score.

Closing old cards, carrying a balance, disputing everything on your report — the internet's favorite credit hacks sound smart. Here's why most of them backfire, and what actually moves your score.

Paying your bills on time isn't always enough. These seven under-the-radar habits — from high utilization to unused credit lines — could be quietly holding your credit score back.