# BayshoreApp vs Credzy

The clearest difference is update cadence: Credzy at fortnightly against BayshoreApp's every 3 months. Credzy also leads on iOS requirement (16.0 vs 18.0). On price, ads, in-app purchases and device support there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

BayshoreApp ships an update every 3 months, Credzy fortnightly. The most recent releases landed on October 4, 2026 and October 16, 2026 respectively.

## The numbers

| Metric | BayshoreApp | Credzy |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[3.8 (21 ratings)](https://appshunter.io/ios/app/credzy/id1661529824/reviews)** |
| Number of ratings | — | **21** |
| Positive reviews | — | 61.1% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Fortnightly** |
| Monetization | — | Free |
| Size | 92 MB | 45 MB |
| Requires iOS | 18.0 | **16.0** |
| Devices | iPhone | **iPhone, iPad** |
| Age rating | 4+ | 4+ |
| Developer | [Bayshore Mortgage Funding, LLC](https://appshunter.io/developer/1587938017) | [Credzy LLC](https://appshunter.io/developer/1661530036) |

## What reviewers say

### BayshoreApp

[App page](https://appshunter.io/ios/app/bayshoreapp/id1587937835)

**Features:** macOS Compatibility

**In-app purchases:** none


### Credzy

[App page](https://appshunter.io/ios/app/credzy/id1661529824)

Monitor your credit building journey with expert assistance. This app offers tools for credit disputing, rent reporting, and debt management to help you create a strong credit profile and prepare for homeownership.

**Highlights:** Credit building progress monitoring, Credit disputing, Rent reporting, Debt management, Home readiness program

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is BayshoreApp free?

BayshoreApp is free to download, with no in-app purchases.

### Is Credzy free?

Credzy is free to download, with no in-app purchases.

### Do BayshoreApp or Credzy have ads?

Neither BayshoreApp nor Credzy shows ads.

### Which is updated more often, BayshoreApp or Credzy?

BayshoreApp ships an update every 3 months, and Credzy fortnightly. Most recently, BayshoreApp was updated on October 4, 2026 and Credzy on October 16, 2026.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*