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TomoCredit gains Real adoption from TomoIQ, powerful AI native financial agent to help everyday Americans navigate money with confidence. Proven demand and deep behavioral data, AI native personal finance guidance for everyday Americans SAN FRANCISCO, March 27, 2026 /PRNewswire/ - TomoIQ, the AI-powered personal finance platform built for everyday Americans, today announced the launch of its upgraded AI agent - a smarter, AI native, intuitive guide designed to meet people where they are emotionally and financially. TomoCredit has been on a mission to democratize access to credit. Since its inception, the company has been at the forefront of innovation - bringing new products to market and challenging the status quo. Through this work, TomoCredit has built a suite of proprietary products that ultimately powered the creation of TomoIQ, an AI-native financial agent. In less than a year, TomoIQ attracted a fast-growing base of members spanning both free and paid tiers - signaling strong product-market fit and consumer adoption of an AI-native financial agent. The Real Reason People Hire Financial Advisors Conventional wisdom says people hire financial advisors to maximize returns. But behavioral finance research tells a different story: the true driver is emotional security. Money is deeply tied to fear, uncertainty, and life's biggest decisions. Most people aren't asking "How do I beat the S&P 500?" - they're asking "Am I going to be okay?" TomoIQ was built to answer that question. "Financial anxiety is a universal experience, but personalized financial guidance has never been universally accessible," said Kristy Kim, founder of TomoCredit "We built this agent to be the calm, knowledgeable voice in the room that everyday Americans have never had - one that helps you understand your situation, reassures you when you're spiraling, and catches you before you make an expensive mistake." What the Upgraded AI Agent Does Differently The newly upgraded TomoIQ agent goes beyond budgeting tools and account dashboards. It is designed to: * Provide genuine reassurance - answering the "Am I going to be okay?" questions that keep people up at night, with context-aware, personalized responses * Bring clarity to complex situations - from understanding APR on credit cards to navigating a job loss or major life change, TomoIQ breaks down complexity into confident next steps * Prevent costly mistakes - proactively flagging overspending patterns, high-interest debt traps, comparing insurance options and financial decisions that could have long-term consequences Since its launch, TomoIQ, AI native financial assistant, has helped 400,000 members across the country take control of their financial lives with hyper personalization. The upgraded agent is more capable at handling nuanced financial conversations, and early beta users reported feeling more confident about their financial decisions after using the platform. Availability The upgraded TomoIQ AI agent is available now at tomocredit.com About TomoCredit TomoIQ, by TomoCredit is an AI-powered personal finance platform dedicated to helping everyday Americans navigate their financial lives with clarity and confidence. Rooted in the principles of behavioral finance, TomoIQ provides personalized guidance, emotional reassurance, and practical financial protection

TomoCredit has launched an upgraded AI agent called TomoIQ, designed to provide personalised financial guidance for everyday Americans. The AI-native platform has attracted 400,000 members across free and paid tiers in under a year, signaling strong product-market fit. TomoIQ addresses financial anxiety by answering questions like "Am I going to be okay?" rather than focusing solely on investment returns. The agent provides reassurance, clarifies complex financial situations and flags potential costly mistakes such as overspending patterns and high-interest debt traps. Founded by Kristy Kim, TomoCredit built TomoIQ using proprietary products and behavioural finance data. The upgraded agent offers more nuanced financial conversations, with early beta users reporting increased confidence in their financial decisions. The platform is now available at TomoCredit's website.

TomoCredit lawsuit: Lyon Firm files consumer fraud class action over credit boost claims. The Lyon Firm has filed a consumer protection lawsuit against TomoCredit, Inc., the San Francisco-based fintech company behind the TomoBoost credit-building service. Filed in the U.S. District Court for the Northern District of California on January 15, 2026, the class action complaint alleges widespread deceptive marketing practices, false advertising, and unlawful subscription cancellation procedures that have left thousands of consumers financially harmed. The legal action, brought by The Lyon Firm and the Law Offices of Francis J. Flynn, Jr., represents plaintiff William Geagley and potentially thousands of similarly situated consumers who subscribed to TomoBoost expecting meaningful credit score improvements but allegedly received a worthless product instead. Contact its attorneys for more information on this case or to consider filing a similar complaint. The core allegations against TomoCredit. Misleading credit score promises. TomoCredit marketed its TomoBoost service with bold claims promising users could achieve credit score increases of 105 to 200+ points. The company's website prominently featured language such as "Build Credit Fast" and advertised "Instant" credit improvements for its premium VIP plan, which costs approximately $129.99 monthly. According to the plaintiff, these representations created reasonable consumer expectations that credit score improvements would occur within days or at most within 30 days. However, the lawsuit contends that the service fails to deliver on these promises. The plaintiff in the case reported using TomoBoost for approximately one month without observing any measurable credit score improvement attributable to the service. The complaint points to a fundamental problem: TomoCredit allegedly cannot deliver the promised credit-boosting results, rendering the entire service essentially worthless to consumers who pay substantial monthly fees expecting tangible benefits. Impossible cancellation process. Beyond the failure to deliver promised results, the lawsuit details an equally troubling pattern of making subscription cancellation deliberately difficult or impossible. When consumers attempt to terminate their TomoBoost subscriptions, they reportedly encounter a maze of obstacles designed to prevent successful cancellation. The complaint alleges that TomoCredit: * Fails to provide a functional online cancellation mechanism * Requires consumers to schedule mandatory phone consultations before allowing cancellation * Displays cancellation scheduling calendars with no available appointment slots for months * Continues charging consumers even after repeated cancellation requests * Forces subscribers through multiple "retention offers" before processing cancellation Despite multiple attempts to cancel his subscription through the company's website, the plaintiff encountered repeated technical failures and error messages. Unable to cancel through normal channels, he was ultimately forced to change his payment method to an inactive card to stop recurring charges - an extraordinary step consumers should never need to take. Violations of California consumer protection laws. The lawsuit asserts multiple legal violations, including: * California Automatic Renewal Law (ARL): TomoCredit allegedly enrolled consumers in automatic renewal programs without clear, conspicuous disclosure of terms and without obtaining proper affirmative consent. The company also failed to provide simple, effective cancellation mechanisms as required by law. * California Unfair Competition Law (UCL): The complaint alleges unfair, unlawful, and fraudulent business practices that deceive consumers and cause financial harm exceeding any utility the practices provide. * California Consumers Legal Remedies Act (CLRA): TomoCredit allegedly misrepresented the characteristics, benefits, and qualities of its services, advertised with intent not to provide services as advertised, and inserted unconscionable provisions in consumer contracts. * Negligent Misrepresentation and Unjust Enrichment: The company allegedly made material misrepresentations about its service's effectiveness and cancellation process while profiting from consumer subscriptions for services that don't work as promised. Widespread consumer complaints. The lawsuit references hundreds of consumer complaints across multiple platforms including Trustpilot, the Better Business Bureau, and WalletHub. Common themes include: * No credit reporting or improvement despite months of payments * Inability to cancel despite numerous attempts * Continued charges after cancellation requests * Lack of responsive customer service * Better Business Bureau "F" rating Why hire The Lyon Firm for deceptive marketing and consumer fraud cases. Proven track record in consumer protection. The Lyon Firm has nearly two decades of experience protecting consumers from harmful and deceptive marketing practices. Attorney Joseph Lyon and his legal team have successfully represented plaintiffs nationwide in complex class action litigation involving false advertising, deceptive marketing, and consumer fraud. A focus on false advertising law. Consumer fraud cases require deep understanding of federal and state consumer protection statutes, including California's robust consumer protection framework. The Lyon Firm's attorneys possess comprehensive knowledge of: * Federal Trade Commission regulations and enforcement principles * State unfair and deceptive acts and practices (UDAP) laws * Automatic renewal law compliance requirements * Class action certification procedures * Complex litigation against well-funded corporate defendants While handling sophisticated class action matters, The Lyon Firm maintains a client-focused approach that prioritizes individual attention and clear communication. Clients receive direct access to experienced attorneys who can explain legal strategies, answer questions, and provide updates throughout the litigation process. The Lyon Firm advances all litigation costs and accepts cases on a contingency fee basis, meaning clients pay no upfront fees or expenses. This arrangement ensures access to quality legal representation regardless of financial circumstances, with attorneys only recovering fees if they achieve successful outcomes for clients. What affected consumers should do. If you subscribed to TomoBoost and experienced similar issues - whether failure to see promised credit improvements, difficulty canceling your subscription, or continued charges after requesting cancellation - you may have legal rights. Document your experience by preserving: * Subscription agreements and payment records * Screenshots of advertising claims you relied upon * Communications with TomoCredit regarding service or cancellation * Credit reports showing lack of improvement * Bank statements showing continued charges Contact an experienced consumer protection attorney to discuss your potential claims. The Lyon Firm offers free, confidential consultations to evaluate cases and explain available legal options. Consumer protection laws exist specifically to prevent the type of deceptive practices alleged in this lawsuit. When companies prioritize profits over honest dealing with customers, legal action serves both individual justice and broader market integrity. If you believe you've been affected by TomoCredit's alleged deceptive practices or have questions about other consumer fraud and false advertising claims, contact The Lyon Firm for a free consultation. Contact The Lyon Firm today. Please complete the form below for a FREE consultation.