TransUnion® vs Next Up

With the official TransUnion app, you get free credit scores, free credit reports, free credit monitoring & free access to offers from Bankrate. There’s no credit card required! Your credit score is calculated based on the VantageScore® 3.0 model. Lenders and insurers may use different scores to evaluate your eligibility. Simply create your free account (no credit card required) and start using our app (won’t hurt your score) to: Plan Your Credit Future Know what’s affecting your score, what to work on, and where your score could go. Stay on Top of Changes Know where your TransUnion report & score stand with refreshes available daily. Get an alert whenever there’s a critical credit report or score change. Save Time with Offers from Bankrate* Explore credit offers powered by Bankrate*, all in one place. Join us now to get your free credit scores, free credit reports, free credit monitoring & offers! Upgrade your membership to add premium features like quarterly 3-bureau reports and identity monitoring. ***AGE DISCLAIMER: You must be at least 18 years of age to access or download this app. If you are under 18 years of age, you are prohibited from accessing or downloading this app. Read more in our Terms of Service here: https://www.transunion.com/legal/credit-membership-terms.*** *Advertiser Disclosure: Offers are provided by TransUnion’s Offers Provider, Bankrate. Bankrate provides advertising revenue to TransUnion Interactive, Inc. when consumers interact with the offers, such as by clicking on an offer, when the application is approved or opening an account. This revenue impacts how and where offers appear (including, the order in which they appear), except where prohibited by law for offers related to mortgage, home equity and other home lending products. Offers do not represent all available financial services, companies or products. Availability may vary by state. Please review the offer details and verify all terms and conditions before applying. TransUnion does not endorse or recommend any lender or provider. ABOUT TRANSUNION TransUnion is a global information and insights company with over 13,000 associates operating in more than 30 countries. We make trust possible by ensuring each person is reliably represented in the marketplace. We do this with a Tru™ picture of each person: an actionable view of consumers, stewarded with care. Through our acquisitions and technology investments we have developed innovative solutions that extend beyond our strong foundation in core credit into areas such as marketing, fraud, risk and advanced analytics. As a result, consumers and businesses can transact with confidence and achieve great things. We call this Information for Good® — and it leads to economic opportunity, great experiences and personal empowerment for millions of people around the world. http://www.transunion.com/business Personal information we collect -- https://www.transunion.com/privacy/consumer-interactive#2 Do not sell or share my personal information -- https://www.transunion.com/optout Limit the use of my sensitive personal information -- https://www.transunion.com/optout

Bills. On your time. Next Up is a calm, simple way to see what's coming. Every bill gets a countdown ring that fills in as its due date gets closer, so one look tells you what needs you today and what can wait. SEE WHAT'S NEXT Your bills sit in one short list, soonest first. Each one shows its name, the amount, the date, and how many days are left. Choose how far ahead "coming up" reaches (7, 14 or 30 days), and anything further out stays tucked away until it matters. A friendly greeting and one status line at the top tell you how your week looks. PAY BEFORE IT'S DUE Open a bill to see its countdown, amount and due date, and keep a note with it: a confirmation number, an account hint, anything you want to remember. When you've paid it, tap Mark Paid. Monthly and yearly bills roll forward on their own, so next month's is already waiting. ALREADY HANDLED History keeps the bills you've paid, newest first, with whether you were early, on time or late. Tapped Mark Paid by mistake? Undo puts it right back. AT A GLANCE, EVERYWHERE On bill day, a Live Activity keeps the countdown on your Lock Screen and in the Dynamic Island. Redesigned Home Screen and Lock Screen widgets show what's next without opening the app. On Duo, the sidebar slides the page over, with one wallpaper flowing across the fold. ASK SIRI "What's due this week?" Siri can also mark a bill paid or snooze its reminder. KEEP YOUR STREAK Every bill paid on time adds to your streak. A calendar shows your paid days, milestone badges mark the way, and a shield earned every 10 on-time bills protects your streak from one late payment. SUBSCRIPTION AUDIT Go through your recurring bills and mark each one Keep or Plan to cancel. Next Up doesn't cancel anything for you; it helps you decide what to cancel yourself. QUIET, ON PURPOSE Next Up doesn't nag. If a bill slips past its due date, it sends one reminder the next morning, even with the app closed. Long-press that reminder to Mark Paid or Snooze without opening the app. PRIVATE BY DEFAULT Amounts stay inside the app. Reminders show only the bill name and due date, so nothing personal shows on your Lock Screen unless you turn amounts on in Settings. YOUR LIST, YOUR ICLOUD There's no account to create and nothing to sign in to. Your list lives on your iPhone and syncs through your own private iCloud, so it's there on your other iPhone too. We don't collect your data, we don't track you, and there are no ads. A FEW HONEST NOTES Next Up is a reminder and countdown tool. It doesn't pay bills, move money or connect to your bank. You add each bill yourself: a name, what it costs, the day it's due, and whether it comes back monthly or yearly. See what's next. Pay before it's due. Stay ahead.