Spectrum Access vs Grow Credit

The Spectrum Financial Mobile App is a free way to monitor your Spectrum Financial accounts on a mobile phone or tablet. With Spectrum Mobile, you will be able to access your accounts from anywhere using your Spectrum client login ID and Password. The Spectrum Mobile App provides you with the following features: - Aggregation of all household accounts - Account activity, holdings, balances - Performance Summary - Quarterly Statements - General tax and beneficiary reports - Invoices To obtain a login, you must be a client of Spectrum Financial. If you do not have a Spectrum Client login, request or create one today at https://investspectrum.com/login Spectrum values your privacy. Please review our privacy policy at https://investspectrum.com/disclosures For more information about Spectrum Financial, Inc. please visit www.investspectrum.com

With over 700,000 downloads, Grow Credit, featured on the 2022 Forbes Fintech 50 and recognized as one of America's most innovative companies, helps consumers build credit for free using their subscriptions, with no prior credit history required. As featured in the App Store “Hot This Week” section. Your credit score is different on Experian, Equifax, and TransUnion. Having a strong score on all three matters as mortgage lenders, car dealers, and credit card companies often review more than one to determine a consumer's creditworthiness. Grow helps you boost your credit score quickly on all three. Grow your credit with your subscriptions in three easy steps: - Apply for your Grow MasterCard. - Link your bank account. - Add your subscriptions: Netflix, Disney+, Hulu, Spotify, HBO Max, or over 100 others. Your subscriptions will be billed to your Grow MasterCard, and we’ll automatically debit your bank account every month and report your progress to all three credit bureaus. A better credit score means lower interest rates on future loans, which could save you tens or even hundreds of thousands of dollars. Applying for Grow will not result in a hard credit pull and will not affect your credit score. We recommend using Grow alongside Rocket Money and Credit Karma. The press raves about Grow: Techcrunch.com: Grow "is a pretty elegant way to solve a problem that’s a real barrier to entry for a large number of financial services. Credit scores can impact mortgages, the ability to receive small business loans, and a host of other services that are ways to boost economic opportunity." Creditcards.com: Grow is "a very useful tool for climbing the ladder and eventually qualifying for a better card." Nerdwallet.com: "The Grow Credit Mastercard is ideal for those with no credit or poor credit." Grow offers 4 plans: * Build Free - Reports a $204 credit line to Equifax, Experian, and TransUnion - $17 monthly spending limit - Option to upgrade to a Grow membership after 6 months of consecutive on-time payments - Cost: Free * Build Secured - Reports a $204 credit line to Equifax, Experian, and TransUnion - $17 monthly spending limit - Option to upgrade to a Grow membership after 6 months of consecutive on-time payments - $17 security deposit required - refundable after 12 consecutive on-time payments - Cost: $2.99 per month * Grow - Reports a $600 credit line to Equifax, Experian, and TransUnion - $50 monthly spending limit - Access to premium subscriptions, including your cell phone bill (AT&T, T-Mobile, Verizon, or Sprint) - Cost: $4.99 per month * Accelerate - Reports an $1,800 credit line to Equifax, Experian, and TransUnion - $150 monthly spending limit - Access to premium subscriptions, including your cell phone bill (AT&T, T-Mobile, Verizon, or Sprint) - Cost: $9.99 per month Additional Features: - Plan duration: 12 months - renewable. - Free FICO Score - Free credit education blogs and tutorials. We look forward to assisting you in your credit-building journey! Bank-Level Security: • Your data is protected with 256-bit encryption bank-level security and is never stored on your devices. This app is operated by Grow Credit, Inc. Questions or suggestions can be directed to behappy@growcredit.com.