Frequently Asked Questions

TomoIQ is an AI agent that continuously analyzes your financial behavior and actively works to improve your financial outcomes.

Think of it as an autonomous intelligence layer that:

• Understands your cash flow
• Detects financial inefficiencies
• Identifies risk signals
• Surfaces opportunities
• Connects you to better financial products

It is not a static credit score. It is a living financial agent that serves you 24/7.

A traditional credit score is a snapshot. TomoIQ is an adaptive AI system.

TomoIQ monitors financial patterns and updates dynamically as your behavior changes.

TomoIQ requires real-time financial signals to function.

When you securely connect your bank account, TomoIQ can analyze:

• Income consistency
• Spending discipline
• Liquidity stability
• Debt servicing behavior
• Risk volatility

This allows the AI agent to generate a dynamic financial intelligence profile.

Without live data, the agent cannot operate effectively.

TomoIQ is designed as an active financial agent.

It continuously:

• Monitors your financial signals
• Detects inefficiencies or risk
• Identifies better product opportunities
• Matches you to optimized offers

It acts as an intelligent intermediary between your financial behavior and the broader financial opportunities.

Based on your TomoIQ profile, you may gain access to:

• Exclusive personal loan offers
• Curated credit card products
• Insurance opportunities
• Other financial tools designed to reduce cost or increase leverage

Offers are matched to your real-time financial behavior — not just traditional bureau data.

By matching you with more efficient financial products, TomoIQ helps reduce:

• Excess interest burden
• Suboptimal credit structures
• Mismatched risk pricing

Better alignment reduces friction and cost.

Financial access compounds. By strengthening your financial intelligence profile, TomoIQ can help you:

• Compare different options
• Find personalized budget plans
• Build personalized plan to save, earn more money

Yes. TomoIQ powers intelligent underwriting decisions using real-time behavioral analysis. It allows for a more adaptive evaluation model compared to traditional static systems.

No. It is not a credit bureau score. It is an AI-driven financial agent that augments traditional evaluation systems and enables more precise matching. Learn how to build credit from scratch.

TomoScore is Tomo's internal score that reflects your financial health and account activity.

Unlike traditional credit scores that rely heavily on past debt and credit history, TomoScore looks at real-time factors like your cash flow, spending behavior, payment consistency, and overall account activity.

It helps us understand how responsibly you use your Tomo card and allows us to personalize your experience over time.

Higher spending power. Tomo is not a lender. However Tomo partners with a wide range of financial service providers such as small dollar lending (earn wage access), personal, business credit cards with a wide range from ($150 to $100,000), auto loan, personal loan, insurance and mortgage etc.

• Access to new Tomo features or products
• Improved account benefits over time
• Potential eligibility for future credit-building opportunities

TomoScore is designed for individuals who want a more modern and holistic view of their financial health.

Unlike traditional credit scores that rely heavily on past borrowing history, TomoScore is built for people who may be new to credit, rebuilding, or looking to strengthen their financial habits. It considers real-time financial behavior, such as cash flow and responsible account activity.

TomoScore helps members better understand their credit and cash health while unlocking personalized opportunities within the Tomo ecosystem.

You can improve your TomoScore by demonstrating healthy financial habits, such as:

• Maintaining positive cash flow in your linked bank account
• Avoiding failed payments or returned transactions
• Keeping consistent account activity over time
• Ensuring on-time automatic payments to stay on top of all your liabilities (such as student loans, auto loans, business loans etc)

TomoScore improves as you build a strong, consistent track record with your account.

The TomoScore ranges from 300 to 850.

A higher score reflects stronger account activity and financial consistency. Your score may change over time based on your usage and payment behavior.

Here's how it's generally categorized:

• 800 – 850: Exceptional
• 740 – 799: Very Good
• 670 – 739: Good
• 580 – 669: Fair
• 300 – 579: Poor

Good question. Your Credit Score is calculated based on information in your credit report. The exact formula is proprietary, but these are the main factors and their typical weight:

Your credit score can change whenever new information is reported to the credit bureaus. Most lenders report account activity (such as balances and payments) once per month, so many people see updates monthly. However, your score can update more frequently if:

• A new account is opened
• A payment is reported (on-time or late)
• Your credit card balance changes
• A hard inquiry is added
• A negative item (like a collection) appears

Because your score is based on the information in your credit report at a given moment, it can fluctuate as your reported activity changes.

No. It's very common for newcomers to credit to confuse credit scores and credit bureaus. Hopefully this helps to clear things up a bit.

Experian, TransUnion and Equifax are credit reporting agencies (CRAs) or "credit bureaus" which are companies that compile information about one's credit history. This information is available through your credit reports and can be fed into a scoring algorithm to return a credit score. Experian, TransUnion and Equifax are not credit scores. They are simply data sets that can be used to generate a credit score.

A credit score requires 3 parts:

• 1 - Bureau data (Experian, TransUnion, or Equifax)
• 2 - A scoring model (Fico, VantageScore, etc)
• 3 - A version of that model (Fico 8, VS 3.0, etc)

Tomo is an AI-native financial intelligence company. We build AI agents that monitor, analyze, and optimize personal financial health in real time.

At the center of Tomo is TomoIQ — your AI agent for personal finance.

People are tired of an old and outdated credit card system where they're judged by their credit score. We decided we wanted to be the solution to that problem. We require no credit history or credit score for you to apply. You probably won't find a simpler, smarter, or more rewarding card than Tomo.

Tomo is built for people who treat money as a strategic tool — not something to passively manage.

Our users are financially disciplined, forward-thinking, and optimization-oriented. They:

• Make smart financial and credit decisions
• Prefer real-time intelligence over outdated credit score
• Think in terms of leverage, liquidity, and long-term positioning
• Expect smarter access to loans, cards, and insurance
• Optimize continuously — not occasionally

Financially intelligent individuals understand that better information compounds.

Tomo is the AI agent they use to stay ahead.

Yes. We use encrypted, permission-based financial data connections that meet industry security standards. Security and privacy are core infrastructure components.

• We do not store bank login credentials
• Access can be revoked anytime

Data is analyzed for intelligence generation — not sold

Yes. You can revoke access at any time.

If you are experiencing bank account connection issues, please visit our dedicated troubleshooting page: https://tomocredit.com/application-troubleshooting

No. It is not sold. Your data is used to generate your intelligence profile and power personalized recommendations.

Here at Tomo, we know you are worth more than just a credit score. That's why we created a solution to tackle the flaws of the everyday credit card. You can apply to Tomo without a credit score or prior credit history.

Your Tomo card is a charge card with a 7-day automatic payment feature to help keep your credit utilization low.

With Tomo, we're helping you build your credit score. On top of that, you may receive access to premium card benefits depending on your eligibility. What does your debit card do for you? Exactly our point.

Our card holders can use their cards online and with millions of merchants across 200 countries, depending on the card issued to you.

No. Whether your Tomo application was approved or rejected, it will never affect your credit score.

Of course! That's why we created Tomo. We wanted to create a card that everyone has the opportunity to access.

Of course! To apply for Tomo all you need is a valid SSN or ITIN and a government issued ID.

To sustain a card that doesn't require a credit score or a deposit, we use alternative data sources, such as information from your bank account, to process your application. We use trusted third-party open banking service providers to securely link your bank account. Tomo does not store your bank account login details.

We cannot pre-determine your exact spending power. What we can tell you is that Tomo looks at your bank accounts and other factors to help determine your spending power. In order to obtain the highest limit, we recommend that you connect all bank accounts or the account with the highest balance.

You must pay your balance in full each cycle. You can also enroll in our 7-day automatic payment feature to ensure timely payment of your balance.

If you enroll in our 7-day automatic payment feature, or Autopay, we will initiate a payment one day each week for your total charges during the previous week. The day-of-week (your "Autopay day") will be displayed on your dashboard. Payments will be initiated on the next business day if your Autopay day is a holiday. We do not allow changes to your Autopay day at this time.

No.

Your card will be frozen till the previous period balance is paid in full.

Tomo's smart payments help you make payments on time, every time. Keep your balances low (and your credit utilization healthy!) with weekly autopay. Sustained on-time payments and low credit utilization build your credit score over time.

As of right now you can not apply after being rejected. We hope to build out this feature soon. If you think you were denied by mistake please contact our Customer Support.

Once approved, your card should arrive in 7-10 business days, encased in a Tomo-branded black envelope. If your card does not show up by then, please get in touch with our Customer Support.

Activate your card from the TomoCredit app or your web dashboard.

Please contact our Customer Support online or call +1 (866) 432-7695

There are several factors that play into an increase of your spending power.

• Linking your bank account with the highest balance
• Linking multiple bank accounts
• Consistent on time payments

Statements are issued on the 7th of every month.