San Francisco-based fintech company TomoCredit has substantially revised its product descriptions across its website and application over the last two months. These changes address previous concerns raised by Forbes regarding marketing claims that were potentially misleading to consumers.

Major Revisions to Marketing Language

TomoCredit has eliminated specific, aggressive claims from its promotional materials. The service no longer advertises a "10X credit boost" or guarantees "all major bureau support." These revisions reflect an evolving structure and vision for the financial service, according to the company.

Shift to AI Coaching Model

As recently as early February 2026, the company promoted its TomoBoost product with the large headline, "Build Credit Fast." This has been significantly altered. The main headline now reads, "Your Free AI Credit Coaching," marking a pivot toward educational assistance.

Founder and CEO Kristy Kim stated that the updates were implemented "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." Kim emphasized the company's current focus on developing an "AI-native financial assistant."

Clarifying Credit Line Promises and Partnerships

Previously, TomoCredit’s “VIP” product misleadingly advertised a credit line of “up to $100,000,” despite the company not issuing any loans or credit cards directly. This language has been adjusted to specify "up to $100,000 partner credit." This change implies that TomoCredit now connects customers with external lenders for financing options.

Removal of Outdated Visuals and Features

The startup has also removed visual elements that suggested direct credit issuance. This includes deleting a large image of a World Elite Mastercard previously featured on the homepage. TomoCredit stopped issuing this charge card in 2023.

When questioned previously about the card display, TomoCredit’s lawyers argued that they still offer credit-related products via third-party partners operating on Mastercard-affiliated networks. Furthermore, the company has removed references to support from the three major credit bureaus—Equifax, Experian, and TransUnion—which had previously limited where TomoCredit tradelines could appear.

Changes in Payment Processing

TomoCredit has also seen changes in its payment infrastructure. As of early February, the company utilized Stripe, Google Pay, and Adyen for processing consumer payments.

Currently, Stripe no longer appears to be processing payments for TomoCredit. Similarly, the Google Pay button has been removed from the checkout page, suggesting that service has also ceased. An Adyen spokesperson did not respond to inquiries regarding their ongoing relationship with the fintech.