Over 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’ credit, which Forbes covered in an article last month. One example: Its “VIP” product said it came with a credit line of “up to $100,000” even though the company doesn’t issue any loans or credit cards. Now it has changed several of its product promises, shifting its focus from boosting credit to financial coaching.
In a statement, TomoCredit founder and CEO Kristy Kim said, “The 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] had raised.” She added that the company is focused on building an “AI-native financial assistant.”
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As recently as early February 2026, the main page for TomoCredit’s TomoBoost product said in huge font: “Build Credit Fast.” Today, links to TomoBoost have been changed to point to the TomoCredit.com homepage, which instead says in large text: “Know your financial story.” On its separate TomoCredit.ai website, it changed the large headline text from “World First AI Credit Builder” to “Your Free AI Credit Coaching.” It has changed the “up to $100,000” credit line promise to “up to $100,000 partner credit,” implying that TomoCredit will connect customers to outside lenders for loans.
The startup has also removed the stated VIP plan benefits of providing a “10X credit boost” and offering “all major bureau support.” As we’ve reported previously, the three major credit bureaus–Equifax, Experian and TransUnion–stopped accepting TomoCredit’s data in 2024, eliminating its ability to have TomoCredit tradelines appear on consumers’ 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 “TomoCredit continues to offer credit-related products through third-party partners, some of which operate on Mastercard-affiliated networks.”
As of early February, Stripe, Google Pay and Adyen were processing payments for TomoCredit, allowing the startup to accept consumers’ credit cards. Today, Stripe no longer processes payments for TomoCredit. Google Pay doesn’t seem to either, since a Google Pay button has been deleted from TomoCredit’s checkout page (a Google spokesperson didn’t reply to our emailed questions). An Adyen spokesperson didn’t respond to multiple emails we sent asking whether it’s still processing payments for TomoCredit.
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