TomoCredit Class Action Lawsuit Challenges TomoBoost Credit Repair Claims, Cancelation Process

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A proposed class action lawsuit alleges that credit repair service TomoCredit has failed to improve consumers’ credit scores as advertised and imposed a difficult cancelation process and unfair terms of service on customers.

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The 65-page TomoCredit class action lawsuit claims the company’s TomoBoost product—whose Starter, Premium and VIP plans promise to “build credit fast”—relies on unfair business practices that have misled consumers seeking to improve their credit scores.

According to the lawsuit, the TomoBoost VIP plan, which costs $129.99 per month, boasts that it can provide an “instant” credit increase. The filing points out that, per the TomoCredit website, the VIP plan provides “2xs faster credit growth” than TomoBoost Starter.

The lawsuit contends that on the whole, the representations suggest that consumers in any plan would see a credit boost within one day, given that the VIP plan promises “instant” results, and “something that is two times slower than an instant would still be fast.”

However, the case claims the representations are misleading, alleging that TomoBoost is a “worthless product” and “does not actually work to boost credit scores.”

The complaint explains that the plaintiff, a New York resident, enrolled in a TomoBoost plan in October 2025 and used it for approximately one month. The consumer says that during this time, he did not notice any “improvement, increase, or measurable change in his credit score attributable to TomoBoost.”

Furthermore, the TomoCredit class action lawsuit contends that once consumers are enrolled in TomoBoost, the company makes it unreasonably difficult to cancel the auto-renewing service. The case claims TomoCredit has failed to provide customers with a clear, effective and easy-to-use online cancelation method as required by law, exposing them to the risk of repeated unauthorized charges.

The complaint says that when the plaintiff tried to cancel his enrollment in TomoBoost, his attempts were frustrated by TomoCredit’s “obstructive and non-functional” cancelation process. As the case tells it, the plaintiff attempted to cancel the TomoBoost service several times over the course of a few days but faced “repeated error messages” and page malfunctions that prevented him from terminating the subscription online.

“Because [the plaintiff] was unable to cancel through [TomoCredit’s] online system, [he] was ultimately forced to take the extraordinary step of changing the payment method linked to his account to an inactive payment card in order to prevent further automatic withdrawals,” the suit reads.

The lawsuit alleges that this is not a problem unique to the plaintiff and points to scores of customer complaints about TomoBoost’s purportedly ineffective and “arduous” cancelation procedure.

According to the filing, one consumer complained that they’d been attempting to cancel their TomoBoost subscription for two months and had had to jump through “one hoop after another.”

“I have been trying to cancel their services for 6 months, and they are still charging me even after several requests to cancel,” another customer is cited in the suit.

In addition, the lawsuit alleges that the company has tried to preclude consumers from taking legal action against it by including an arbitration agreement in its website’s terms of service that “TomoCredit attempts to use as a shield to protect itself from court scrutiny.”

Per the suit, the terms of service also allow TomoCredit to make modifications at any time by “posting [a] revised Agreement on its website,” which the case claims demonstrates the unfair and illusory nature of the terms.

The lawsuit charges that, taken together, TomoCredit has “carried on with a high degree of despicable and conscious disregard of [sic] [consumers’] rights.”

The TomoCredit class action lawsuit seeks to cover all individuals in the United States who paid the company for a TomoBoost service and did not experience a credit boost within 30 days or had difficulty canceling the subscription.

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