We'll do the work.
You get the credit.

Sit back and relax while Tuo helps you build your credit profile.

  • No Credit Check
  • No Security Deposit
  • No Long-Term Commitments
Tuo Financial
Tuo Credit Builder
Tuo Financial

Track your credit while you build.

Cost of thin & low credit


Person 1 is paying over $5,000 more than
Person 2 for the same vechicle.

Tuo Financial

Sign up for early access

Frequently asked questions

Having a good credit score impacts many of the larger purchases you make. Are you looking to buy a new house or a new car? Having a great credit score can mean your interest rates could be cut in half.

Today, over 100 million Americans need to build up their credit profile but don't know where to start... and we understand why! Credit cards come with cons. Like overspending, high interest rates, inaccessibility, and mountains of debt.

But a great credit score can change lives, especially with important long-term goals like securing a housing mortgage or getting the best possible repayment plan on your big purchases. Despite this, there are very few credit-building alternatives.

Enter Tuo. Our mission is to create a safer, more accessible credit experience. With Tuo Credit Builder, you can relax as you work towards your long-term goals and avoid the pitfalls and traps of a credit card.

  • No credit checks
  • No interest rates
  • No hidden fees

Most credit-building products make money from steep interest rates, hidden fees, and by selling your personal data—especially the "free" cards.

At Tuo, we don't think that's right. That's why we charge a flat monthly subscription instead, with our lowest plan starting at $5/month!

This way you can focus on building credit and working towards long-term goals with the money you actually have, without worrying about things like data mining, steep interest rates, or hidden fees.

What makes Tuo's Credit Builder amazing is the AutoPilot feature that automates the money moves required to build positive payment history with the credit bureaus. Since positive payment history makes up approximately 35% of your credit score, it is the easiest way to start strengthening your credit score.

If you opt in, Tuo will automatically push a small amount of money to your linked checking account at the start of the week and then pull it back a couple of days later. This allows us to report your credit utilization and positive payments without you having to lift a finger.

You get to go about your life without the worries of using your Tuo Credit Builder account correctly. We'll do the work. You get the credit!

We're more than happy to answer them all! Please email, support@tuo.io and someone from our wonderful concierge team will help take care of you!