Tomocredit.com (Domain) Investigation Report
Generated on Feb 7, 2026
Why we think so?
TomoCredit.com offers credit-building services with over half a million monthly visits, primarily in the United States. The site uses reputable technologies like Amazon and Google, has a domain registered since 2019, and holds a valid SSL certificate. However, extensive customer complaints reported to the Better Business Bureau (BBB) and other review sites highlight deceptive advertising, unauthorized charges, difficulties canceling subscriptions, and failure to provide promised credit improvements. Multiple lawsuits filed as recently as 2026 allege ineffective credit-boosting products and problematic cancellation processes. Despite active social media presence and recent news coverage, the company faces serious legal and reputation challenges, indicating significant risk for users.
Risk Insights
Active Legal Issues
- Class action lawsuit alleges false credit repair claims.
- Cancellation difficulties widely reported.
- Legal disputes continue through early 2026.
Customer Service Risks
- Numerous BBB complaints unresolved.
- Refund denials and billing controversies.
- Poor responsiveness reported consistently.
Strong Technical Infrastructure
- Uses reputable cloud and payment providers.
- High monthly traffic with US focus.
- Domain age and SSL valid and reliable.
Category Scores
Red Flags & Warnings
- Numerous unresolved BBB complaints about deceptive marketing and refusal to refund payments.
- Active class action lawsuit alleging false advertising and deliberate obstacles to cancel subscriptions.
Detailed Checks & Insights
0-100 Scale
Domain Age and Security
Score: 85
Domain Age and Security
"The domain's age and security certificates support legitimacy."
Reason: Domain was registered in 2019 and has a valid SSL certificate issued by Amazon.
Website Technology and Traffic
Score: 80
Website Technology and Traffic
"Technologies and traffic are consistent with a legitimate finance site."
Reason: Uses reputable technologies (Amazon, Google, Stripe) and has over half a million monthly visits mainly from the US.
Customer Complaints and Reputation
Score: 25
Customer Complaints and Reputation
"BBB and review sites document consistent negative feedback without company resolution."
Reason: Widespread and unresolved customer complaints report deceptive marketing, unauthorized charges, and service failures.
Legal Challenges
Score: 20
Legal Challenges
"Lawsuits between 2024-2026 indicate serious business and legal risks."
Reason: Active class action lawsuit and other disputes allege false advertising, ineffective services, and difficult cancellations.
Blacklist and Safe Browsing Status
Score: 90
Blacklist and Safe Browsing Status
"Clearance from blacklists reduces technical risk indicators."
Reason: No records on crypto scam or Google phishing blacklists; no flagged safety issues.
Your Next Steps
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1
Exercise caution before engaging with tomocredit.com services or payments.
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2
Review detailed customer complaints and legal filings before subscribing to any plans.
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3
If affected, document all interactions and consider contacting your bank or state attorney general for dispute assistance.
Key Evidence & Citations
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BBB Complaints Against TomoCredit
⤷ Multiple unresolved complaints report bait-and-switch tactics, unauthorized charges, and poor service.
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Class Action Lawsuit Challenges TomoCredit's Credit Repair Claims
⤷ Lawsuit alleges product does not improve credit and cancellation process is intentionally difficult.
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TomoCredit Tech Stack and Traffic Details
⤷ Website uses reputable technologies and has high US-based traffic.
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TomoCredit Domain Registration and SSL Info
⤷ Domain registered since 2019 with valid SSL certificate.
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Recent News Articles on TomoCredit
⤷ News covers company expansions but also notes legal and operational challenges.
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