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TomoCredit’s product descriptions no longer say the service provides a “10X credit boost” or “all major bureau support.”<\/span><\/p>\n Getty<\/small><\/div>\n<\/div>\n<\/figure>\n O<\/abbr>ver the past two months, TomoCredit, a personal finance company that offers a subscription costing up to $1,000 a year, has made major changes to the marketing claims on its website and app. As of early February 2026, it was making puzzling statements about boosting consumers\u2019 credit, which Forbes <\/em>covered in an article last month. One example: Its \u201cVIP\u201d product said it came with a credit line of \u201cup to $100,000\u201d even though the company doesn\u2019t issue any loans or credit cards. Now it has changed several of its product promises, <\/em>shifting its focus from boosting credit to financial coaching. <\/p>\n In a statement, TomoCredit founder and CEO Kristy Kim said, \u201cThe updates were made to improve overall clarity and user experience, while reflecting the evolving structure and vision of the service, including some of the points [Forbes<\/em>] had raised.\u201d She added that the company is focused on building an \u201cAI-native financial assistant.\u201d<\/p>\n Have a story tip? Contact Jeff Kauflin at jkauflin@forbes.com or on Signal at jeff.273.<\/em><\/p>\n As recently as early February 2026, the main page for TomoCredit\u2019s TomoBoost product said in huge font: \u201cBuild Credit Fast.\u201d Today, links to TomoBoost have been changed to point to the TomoCredit.com<\/a> homepage, which instead says in large text: \u201cKnow your financial story.\u201d On its separate TomoCredit.ai<\/a> website, it changed the large headline text from \u201cWorld First AI Credit Builder\u201d to \u201cYour Free AI Credit Coaching.\u201d It has changed the \u201cup to $100,000\u201d credit line promise to \u201cup to $100,000 partner credit,\u201d implying that TomoCredit will connect customers to outside lenders for loans. <\/p>\n The startup has also removed the stated VIP plan benefits of providing a \u201c10X credit boost\u201d and offering \u201call major bureau support.\u201d As we\u2019ve reported previously, the three major credit bureaus\u2013Equifax, Experian and TransUnion\u2013stopped accepting TomoCredit\u2019s data in 2024, eliminating its ability to have TomoCredit tradelines appear on consumers\u2019 credit reports. And TomoCredit has recently deleted a large image of a World Elite Mastercard that it had been showcasing on its homepage. The company previously offered a charge card but stopped issuing it in 2023. Last month, in response to our prior reporting on how displaying the card was misleading, lawyers for TomoCredit told us that \u201cTomoCredit continues to offer credit-related products through third-party partners, some of which operate on Mastercard-affiliated networks.\u201d<\/p>\n As of early February, Stripe, Google Pay and Adyen were processing payments for TomoCredit, allowing the startup to accept consumers\u2019 credit cards. Today, Stripe no longer processes payments for TomoCredit. Google Pay doesn\u2019t seem to either, since a Google Pay button has been deleted from TomoCredit\u2019s checkout page (a Google spokesperson didn\u2019t reply to our emailed questions). An Adyen spokesperson didn\u2019t respond to multiple emails we sent asking whether it\u2019s still processing payments for TomoCredit.<\/p>\n
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