The TomoCredit Blog

Founder and CEO Kristy Kim shares the personal experience that inspired TomoCredit in SUCCESS magazine, revealing how a credit rejection sparked a mission to expand financial access for everyday Americans.

A Fed rate increase doesn't require an economics degree to understand. Here's a practical framework for checking your card's APR and taking control of your debt.

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.

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.

Younger consumers are bringing their most uncomfortable money questions to ChatGPT before they bring them to a bank. That shift says less about technology than it does about who financial guidance was ever really built 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.

Buy Now, Pay Later feels harmless — four small payments, no scary loan conversation. But the real risk isn't always your credit score; it's how easily those small payments stack up.

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.