TomoCredit

🚀 Join us in welcoming Xiaokai Li to the TomoCredit team! 🎉 We’re thrilled to have Xiaokai Li on board as our Full Stack Engineer, where he's already jumping into building seamless, scalable solutions that power our platform from front to back. With his strong engineering instincts, full-stack versatility, and passion for creating clean, intuitive user experiences, Xiaokai is helping us deliver smarter, faster, and more reliable tools for our users. He brings technical depth, a creative mindset, and a team-first attitude that fits perfectly with Tomo’s fast-paced, mission-driven culture. We’re excited to see how his work shapes the future of credit access. Welcome aboard, Xiaokai Li — let’s code the future of finance together! 💛 #WelcomeToTheTeam #Fintech #TomoCredit #CreditInnovation

Ever notice your credit score suddenly drops—sometimes by 20, 50, or even 100 points—and you have no idea why? Back in the day, you might not even know it happened until you were denied a loan or a credit card. Today, some apps will send you a notification… but even then, they rarely tell you why it dropped or what to do next. The truth is, a drop can come from all kinds of reasons—late payments, high utilization, multiple hard pulls, or even incorrect info on your report. Understanding the cause is the first step, and knowing how to respond is just as important. Kristy Kim Ronnie M. Nicholas Kubiak David Huang Joseph Lindsay #creditscore #personalfinance #financialliteracy #credithealth #fintech #moneytips

💳 Just turned 18? It’s the perfect time to start building your credit. At TomoCredit, we believe everyone deserves a head start on their financial journey—even if you’re just getting started. Whether you're opening your first student credit card, setting up autopay for your phone bill, or exploring modern tools like TomoBoost, there are smart, simple ways to start building credit today—without falling into debt. Kristy Kim Ronnie M. Cheri Ngai David Huang Joseph Lindsay Vivien Kong Camilla Guo Dino #BuildCredit #FinancialWellness #GenZFinance #CreditTips #TomoCredit #NoCreditScoreNoProblem #TomoBoost #YoungAdults #StudentFinance

💳 What’s a “good” credit score—and when is it good enough? Many people obsess over hitting 800+, thinking that’s the golden ticket to better financial deals. But the truth? Once you cross 750, you’re already in the elite tier—qualifying for top credit cards, lowest interest rates, and prime loan terms. At TomoCredit, we believe in demystifying credit. A 700 score is already strong. And boosting it to 750 doesn’t require perfection—just consistency, smart habits, and patience. As our CEO Kristy Kim shared with U.S. News, it's not about chasing status—it’s about building access. 💪🏽✨ 🔗 Check out the full article to learn how to get there—without the stress. Kristy Kim Ronnie M. Camilla Guo Dino Cheri Ngai Vivien Kong David Huang #CreditScore #FinancialWellness #TomoCredit #WomenInFinance #FinancialLiteracy #CreditTips

🇺🇸 Happy 4th of July from all of us at TomoCredit! 🎆 Today, we’re celebrating the spirit of freedom, independence, and opportunity—values that are deeply rooted in the American dream and in everything we do at Tomo. As we enjoy the fireworks and festivities, we’re reminded of why we started: to build a more inclusive financial future for everyone—especially for those who’ve historically been left out of the credit system. Here’s to breaking barriers, owning our financial journeys, and supporting each other along the way. 💳✨ Wishing you a joyful and safe holiday! Kristy Kim Ronnie M. Camilla Guo Dino Cheri Ngai Joseph Lindsay David Huang Vivien Kong #IndependenceDay #FourthOfJuly #FinancialFreedom #TomoCredit #CelebrateTogether

🚨 AI isn’t just for techies — it’s quietly transforming how we manage credit. Many people still feel unsure or even fearful about using AI for finances. But the truth is, AI can be your secret weapon for improving your credit score — faster and smarter. From detecting errors on your credit report to offering personalized tips based on your behavior, AI tools are changing the game. Kristy Kim Cheri Ngai Ronnie M. Camilla Guo Dino David Huang Joseph Lindsay #FinancialWellness #CreditTips #AIforGood

🏡 Thinking about buying your first home? You might be surprised how much your credit score shapes that journey — from your loan approval to the rate you’ll pay for the next 30 years. In my latest post, I break down what a “good” credit score really means when it comes to mortgages, the best seasons to buy, and how your approach should shift depending on whether it’s a home to live in or invest in. If homeownership is on your vision board this year (or next), now is the time to start building your financial foundation. And if you need help boosting your score, TomoBoost can help you get there — without relying on traditional credit history. Let’s make smarter financial moves together. Kristy Kim Ronnie M. Camilla Guo Dino David Huang Cheri Ngai Joseph Lindsay #HomeownershipGoals #CreditScoreTips #TomoBoost

🚀 Join us in welcoming Sophie Huang to the TomoCredit team! 🎉 We’re excited to have Sophie join us as our BI Data Engineer, where she’s already diving deep into transforming data into insights that drive smarter decisions across the company. With her razor-sharp SQL skills, passion for clean and actionable data, and knack for uncovering the story behind the numbers, Sophie is helping us build a more intelligent and responsive credit experience for our users. She brings analytical rigor, strategic thinking, and a collaborative spirit that’s a perfect fit for Tomo’s fast-paced, mission-driven culture. We can’t wait to see the impact of her work as we scale. Welcome aboard, Sophie — let’s build the future of credit, one data point at a time! 💛 #WelcomeToTheTeam #BIEngineer #Fintech #TomoCredit #CreditInnovation #WomenInTech #DataDrivenDecisions

Medical debt is no longer dragging down your credit score. 🧾❌💳 As of March 2025, medical bills are officially removed from credit reports — a major win for ~15 million Americans and $49B in debt relief. Credit scores should reflect financial habits, not health crises. At TomoCredit, we're all about financial empowerment. Want to boost your score even further? Try our free AI Credit Boost tool → https://lnkd.in/gpKjXfKR Kristy Kim Ronnie M. Cheri Ngai David Huang Joseph Lindsay Camilla Guo Dino #MedicalDebt #CreditScore #DebtRelief #TomoCredit #FinancialWellness

You asked, we answered! Here's a general overview of how both platforms approach financial advice, especially when it comes to saving money. #TomoCredit #TomoBoost #Finance #ChatGPT #OpenAI