If you're looking for another option to TomoCredit, Nova Credit is a good contender. Nova Credit is a credit infrastructure platform that aggregates consumer credit data from credit bureaus around the world, banks, payroll companies and other sources. It offers tools for credit risk assessment, automated income verification and credit approval, and can help lenders reach people who are underserved by traditional credit options. That could be useful if you want to get approved quickly without worrying about your credit score.
Another contender is TransUnion, which offers a variety of tools and services to monitor and improve credit health. TransUnion offers daily credit score updates, fraud alerts, credit report freezing and free weekly credit reports. It's geared more toward managing credit scores than establishing credit in the first place, but its credit monitoring tools can help you keep a closer eye on your credit history and overall financial health.
If you're interested in credit repair, Dispute AI is an automated service that can help you find and dispute negative information on your credit report. The service can help you get a jump start on credit repair with automated imports, AI-powered dispute strategies and credit score monitoring. It's designed to speed up the credit repair process and help you improve your credit score over time.
Last, Cushion offers a personal finance tool that helps you track bills and establish a credit history by linking accounts and providing a single view of your financial obligations. With features like bill tracking, payment management through a virtual credit-building card and soon-to-be-added credit score tracking, Cushion is a good tool for credit-building and personal finance management.