CreditStrong vs. Tomo: More ways to build, save and boost
CreditStrong and Tomo credit both provide revolving credit that is reported to the three credit bureaus on a monthly basis. Both programs are easy to apply to, and no hard credit check or minimum credit score is required.
How Do CreditStrong & Tomo Compare?
Credit Score Increase
+62 points
*Average 62-point FICO® Score increase
No public information about average credit score increase
Product Types
Revolving Credit Builder Loans
Credit Card with no APY.
Credit balance cannot be carried over. The card will be frozen until the balance in the previous cycle has been paid in full.
Plans
11 plans across price points, needs, and budgets
1 plan
$2.99 per month ($35.88 annually) to hold the card.
Max Credit Limit Report
Up to $3,000
Tomo decides your spending power based on your income and bank account balance. ($100 to $30,000)
Report to all 3 credit bureaus
Build Savings?
Money Back?
Build credit and savings with Revolv. Receive your money back minus fee and interest
Membership fee is a sinking fund
Real People.
Real Results.
“CreditStrong significantly increased my score.”
Denise
“I truly recommend CreditStrong for anyone who is trying to rebuild credit — it opened up so many new doors since joining and I gained 100 points. Thanks for helping me get my credit where it needs to be. I now have very good credit!”
Artex
“CreditStrong has helped my credit score go up and stay consistent – I would highly recommend the same thing for anyone who needs help with their credit. ”
Zachary
Why should you choose CreditStrong over Tomo?
We could go on all day, but here are some of the highlights:
- CreditStrong Revolv’s average* FICO® score increase is 62 points. FICO is the most common score used by lenders while Tomo doesn’t mention an average credit score increase
- CreditStrong offers a one-time payment with optional monthly payments going towards your savings. Monthly payments are required with Tomo
- Combination of 11 loan choices for every need and budget versus Tomo’s 2 choices
- Can add installment credit builders to maximize your credit profile with CreditStrong
- Monthly Tomo payments are a sinking fund, whereas any monthly payment with Revolv builds savings
- Revolv is a credit builder loan while Tomo makes you sign up for a credit card with a credit balance that cannot be carried over. The card will be frozen until the balance in the previous cycle has been paid in full
*Tomo is a registered trademark of TomoCredit, Inc.
*FICO is a registered trademark of Fair Isaac Corporation