Hi Reddit,

It’s Kristy Kim, the CEO of TomoCredit, the fintech credit card with No- Credit Check and No Fees. For those new to hearing about us, I've done a few AMA's in the past and TomoCredit has been featured on Forbes, The New York Times, MasterCard, Bloomberg, TechCrunch, American Banker if you wanna look us up!

Background:

-Post college, I was rejected 5 times for an auto loan and not able to rent an apartment due to having no FICO score. -In 2019, I launched/ built TomoCredit because I saw an outdated system excluding so many college students, immigrants, and minorities. -Tomo Card has no fees, no interest rates, and no credit history required. Our underwriting system focuses on analyzing cash flows and alternative data sets to give credit. -Since starting, we have closed Series B funding! We raised $22M in equity and $100M in debt to continue our mission to build credit for millions. -We've also built credit for countless and have doubled our team in 6 months.

I loved the questions, feedback, and comments from the last AMAs, so I’m super excited to be back on the Reddit community to chat and answer questions!

Proof: Here's my proof!