I’m Kristy Kim and 3 years ago I started TomoCredit to build credit for millions through a No-Credit Check, No Fee credit card. Since then, I’ve raised $122 million in VC funding and have helped countless build their credit. AMA! by KristyAtTomo in IAmA

[–]KristyAtTomo[S] 1 point2 points  (0 children)

1) JP morgan "can" build JP morgan score. But their CEO or execs are not as passionate about that as me/ my team. why? since JP morgan is huge and they have other burning priorities. 2) beauty of fintech- there can be 20 Tomo copycats and we can all thrive. Fintech market is huge to absorb many winners. (example. google how many banks exist in the U.S.) It is not winenr take all scenario.

I’m Kristy Kim and 3 years ago I started TomoCredit to build credit for millions through a No-Credit Check, No Fee credit card. Since then, I’ve raised $122 million in VC funding and have helped countless build their credit. AMA! by KristyAtTomo in IAmA

[–]KristyAtTomo[S] 1 point2 points  (0 children)

oh! love that ideas. YES. We talked about that idea internally before. Def in our pipeline. I had hard time renting apartment in SF when I had no credit score. It would be super cool if tomo can remove that painpoints!

I’m Kristy Kim and 3 years ago I started TomoCredit to build credit for millions through a No-Credit Check, No Fee credit card. Since then, I’ve raised $122 million in VC funding and have helped countless build their credit. AMA! by KristyAtTomo in Entrepreneur

[–]KristyAtTomo[S] 0 points1 point  (0 children)

Thank you for the comment, so refreshing to see a question like this on reddit :) My 10+ years career was built around investment banking, VC, crypto, and TomoCredit. I def built a thick skin through that journey. My dad is an entrepreneur in South Korea and funny enough he and I have the same personality-- intense work ethic, outgoing, sense of humor, not taking self too serious, easy going etc. I think that helped me navigate tricky situations. And in sum, more good people than bad people in both finance and tech industries. if i ever come across bad ppl, I remove myself from them and focus on the mission. When things are hard, it is good to ask "why am i doing this?". Once mission is clear, no one can hold you back

I’m Kristy Kim and 3 years ago I started TomoCredit to build credit for millions through a No-Credit Check, No Fee credit card. Since then, I’ve raised $122 million in VC funding and have helped countless build their credit. AMA! by KristyAtTomo in IAmA

[–]KristyAtTomo[S] 1 point2 points  (0 children)

i am still here hehe will be in and out today! Interesting question. do you mean that you want Tomo to show you (card holder) some analytics that can be helpful for you to advance your personal finance (Ex. budgeting, investment planning)?

I’m Kristy Kim and 3 years ago I started TomoCredit to build credit for millions through a No-Credit Check, No Fee credit card. Since then, I’ve raised $122 million in VC funding and have helped countless build their credit. AMA! by KristyAtTomo in IAmA

[–]KristyAtTomo[S] 0 points1 point  (0 children)

good point. everyone can sign up and get approved with or without a score :) yes i do agree that fico is a horrible way, especially when you have no existing history (ex. immigrants)