ScoreSense® vs Debt Compass

ScoreSense® gives you quick, anytime access to your credit scores and reports from all three national credit reporting agencies – TransUnion, Equifax, and Experian. You’ll get daily credit monitoring and alerts about important changes to your report through your ScoreSense account. Questions about your reports or scores? We have Credit Specialists to help you seven days a week. TOP FEATURES OF YOUR SCORESENSE ACCOUNT*: • Credit scores and reports from all three credit bureaus: TransUnion, Equifax and Experian • Credit Specialists available to answer your credit questions • Access to creditor contact information so you can address errors on your credit reports • If you are a victim of identity theft, we offer up to $1 million in ID theft insurance to each of our members • Score Simulator shows your potential future credit scores based on hypothetical situations • Credit Insights provide a detailed breakdown of what is affecting scores and reports • MyCreditChecklist provides checklists for getting your finances in order when you want to buy a home or get a new car • Learning center so you can learn all about what affects your credit rating • Credit monitoring and alerts of activity or changes on your credit report • Ability to compare your scores to others in the U.S., your state or your age group • Reminder when your most recent credit scores are available and it’s time to update • ID Protection Report for monitoring suspicious or fraudulent use of your name, address, social security number, driver's license, or credit/debit cards is an extra available feature. APP FEATURES: • Ability to view your credit reports from all three bureaus directly in the app • Score tracking to see how your credit scores perform over time • Monitoring of important factors affecting your score • Credit Facts and Credit Tips to help you understand your credit scores and reports FREQUENTLY ASKED QUESTIONS: Q: Why is it important to check my credit scores? A: Your scores help determine the interest rates you will be offered on mortgages, car loans, credit cards, and lines of credit. With good credit scores, you are often offered more favorable interest rates on loans and credit cards. Q: How often should I check my credit scores and reports? A: You should regularly review your credit scores and credit reports to ensure the information is accurate, uncover signs of fraud, and address errors that could adversely affect your scores. Q: Will checking my credit scores affect my scores? A: No. Checking your credit scores through the ScoreSense app or ScoreSense.com does not hurt your scores. Q: How does credit monitoring work? A: We monitor your credit report, daily, and notify you with a credit alert when a change or suspicious activity is detected that could pose a threat to your credit scores or be a red flag for possible identity theft. *Note: A ScoreSense account is required to access the ScoreSense app. If you are not a ScoreSense member, sign up for a 7-day trial and get access to your credit scores, credit reports, and credit monitoring.

Most people don't fail to pay off debt because they lack willpower. They fail because they lack a plan. Debt Compass gives you that plan — and the tools to execute it. KNOW WHERE YOU STAND, INSTANTLY Open the app and your entire debt picture is right there: total balance across every card, your debt-free date, projected interest savings, and a real-time risk score. No spreadsheets. No guessing. YOUR AI PAYOFF COACH Debt Compass analyses your balances, APRs, minimum payments, and monthly budget — then generates a personalised step-by-step action plan. Not generic advice. Your numbers, your path. SNOWBALL, AVALANCHE, OR CUSTOM Choose the payoff strategy that fits your psychology: - Snowball — eliminate smallest balances first for quick wins - Avalanche — target highest APR first to minimise total interest - Custom — allocate extra payments exactly where you want them AUTOMATIC BANK SYNC (PRO) Connect your bank accounts securely via Plaid and your balances, available credit, and minimum payments update automatically. NEVER MISS A PAYMENT AGAIN Smart reminders fire 1, 3, or 5 days before each card's due date. RISK ALERTS BEFORE THEY BECOME PROBLEMS Debt Compass monitors your cards for high utilization, upcoming due dates, growing balances, and minimum-payment-only traps. BUILT FOR PRIVACY AND SECURITY - Sign in with Apple or email/password - Optional Face ID / Touch ID lock - Data syncs encrypted to your private Firestore cloud — not shared, not sold - Plaid access tokens are stored server-side — never on your device DEBT COMPASS PRO Unlock the full experience with auto bank sync, AI-powered payoff plans, cloud sync, smart reminders, payoff charts, and risk alerts. SUBSCRIPTION DETAILS Debt Compass Pro is offered as an auto-renewable subscription: - Debt Compass Pro Monthly — $6.99 per month - Debt Compass Pro Annual — $49.99 per year Payment will be charged to your Apple ID at confirmation of purchase. Your subscription automatically renews unless cancelled at least 24 hours before the end of the current period. Manage or cancel your subscriptions in your Apple ID account settings. Privacy Policy: https://debt-compass-2d20e.web.app/privacy Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/