The TomoCredit Blog

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.

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.

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.

Think your credit score reflects responsibility? Think again. The system rewards very specific behaviors, and most of us were never actually taught the rules.

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.

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.

Not every red mark on your credit report is actually accurate. Here are the seven most common types of credit disputes, what causes each one, and exactly how to fix them.

You paid down debt and expected your score to rise. Then nothing happened, or it moved less than you hoped. Here are the most common reasons why, and what to do next.

If you're new to the U.S. or just new to credit, you might be doing everything right and still feel stuck. Here's a simple step-by-step plan to build credit from scratch.

A sudden drop in your credit score — whether it's 20 points or a dramatic 100-point decline — can be alarming. The good news is most score drops are explainable, and in many cases, reversible.

A 2025 CFPB rule removes all medical debt — paid and unpaid — from consumer credit reports, clearing an estimated $49 billion from Americans' credit histories.