FinToolbox vs Cambio Elevate

FinToolbox is a financial digital assistant available to you free through an invitation from your The Mortgage Broker Builder representative. We help you get mortgage ready and manage your financial life. Organize in one place: Your FinToolbox dashboard summarizes important financial information such as: account balances, transactions, net worth, budgeting, credit score, cash flow analysis, estimated home value, spending analysis, offers and promotions from your financial institution, and an information center with personal finance articles and videos, all in one place. Budgeting: Understand what you are spending and where. Track your spending by categories and drill down into subcategories. Receive alerts if you are off track or confirmation if you are on track. Free Credit Score, Report and Monitoring: Your credit score is prominently displayed on your dashboard - and it doesn't cost you anything. Track changes month to month and learn the key factors that make up your score like length of credit, timely payment history, utilization of credit, total accounts opened and inquiries. Don't worry, this is a "soft credit pull" meaning there is no impact to your score by checking it. Look through your credit report for accuracy. Access helpful articles that explain credit bureaus, credit score, and more. Prepare: Work with The Mortgage Broker Builder to best prepare you for home ownership by planning for a down payment, establishing reserves, managing your debt-to-income ratio, improving, or maintaining your credit, loan scenarios through our calculators, establish your projected loan to value, and more. Visit the readiness assessment in your app to see a snapshot of your credit overview, debt to income ratio, cash reserves, employment, down payment, and sales price. Search Properties: Looking for your first home? Want to move up, or downsize? Use FinToolbox to search local and nationwide real estate listings. Find homes that match what you can afford. See open houses, customize searches, favorite properties you like and save your searches. Share: When you are ready to move forward with a financial transaction, you choose what accounts to share with The Mortgage Broker Builder. All data is always encrypted. Security: Security is our #1 job so you can feel confident that the financial accounts you’ve connected and documents you’ve uploaded are secure. See more here: https://www.finlocker.com/security/ Privacy: Your privacy is important to us. To learn how we protect your privacy, visit: https://www.finlocker.com/privacy-policy/

Credit is confusing, and the stakes are real. Cambio Elevate gives you clarity on what's affecting your credit, and AI voice agents that handle the hard calls, so you can take action on what matters. WHAT YOU GET Credit clarity See what's on your report, in plain language. We translate your credit report into something you can actually act on and show you the factors with the biggest impact: payment history, credit use, credit age, total accounts, hard inquiries, and derogatory marks. Credit dispute Found something that doesn't belong? Select the account, tell us why it's wrong, and review the request. Our AI voice agents make the call and follow through. You hear back when there's something to report. Removal Inquiry Ask if a collection can be removed in exchange for payment. You choose the account and authorize the call. Our AI voice agent asks the collector whether they'll remove the item in exchange for payment, then tells you exactly what they said so you can decide what to do next. Goodwill letters Had a late payment during a tough stretch? Build a goodwill letter with your own context, then download it and send it to your creditor. Track your credit over time Watch your score change month over month and see the progress you're making. Save money with partners As your credit moves forward, we connect you to credit union partners with better products on auto loans, cards, personal loans, and more. HOW IT WORKS 1. Sign up. Quick signup and a soft credit inquiry, which has no impact on your credit. 2. Get clarity. Your credit, translated into plain language. 3. Take action. Choose the action, provide the details, and authorize it. Our AI voice agents call bureaus, creditors, and collectors on your behalf. 4. Move forward. Each step forward opens a door to better rates and fairer products. BUILT FOR THE PEOPLE THE SYSTEM OVERLOOKS Cambio Elevate is built for first-time builders, anyone working through a setback, and everyone tired of watching their credit shift each month with no answers. We believe credit should be a bridge, not a barrier. THE FINE PRINT Cambio Elevate is a credit education and consumer-directed action platform. You choose every action and authorize every call. Outcomes are not guaranteed. Cambio does not pay creditors or collectors on your behalf. Cambio Elevate is not a lender and does not provide legal or financial advice. Questions? Email info@cambioelevate.com Privacy Policy: https://www.cambioelevate.com/privacy Terms: https://www.cambioelevate.com/terms