PFScores vs Debt Eraser

Know your score. Own your future. Your credit score shows one slice of your financial life. PFScores shows the whole picture — a 360° view across savings, debt, and risk protection. Free, in minutes, no bank linking required. WHAT'S THE PFSCORE? The PFScore is a holistic financial wellness score (0 to 750) built on three pillars that reflect your real financial life: • Debt Management — how you're handling short- and long-term debt • Savings Discipline — your emergency reserves and retirement contributions • Risk Protection — your insurance coverage and estate planning basics Traditional credit scores tell lenders whether to lend to you. The PFScore tells YOU where you actually stand — the parts of your financial life that credit misses entirely. HOW IT WORKS 1. Take the check-in — seven quick sections, under ten minutes total 2. Get your PFScore, tier, and pillar breakdown 3. Track how your score changes month over month No bank logins. No credit pulls. No hunting through statements. Just honest answers to short questions and a clear picture of where you stand. WHAT'S INSIDE • Your PFScore, updated with every check-in • Three-pillar breakdown showing what shapes your score • Six-month history chart with total-and-pillar filtering • "What changed" summary after every check-in • Coach AI — ask anything, get plain-English explanations of your numbers • Educational content on each pillar and what it reflects • Save, print, or share your score report • Retake anytime life changes BUILT ON PROFESSIONAL STANDARDS PFScores follows CFP® Board guidelines for holistic financial wellness education. Our methodology draws on the frameworks Certified Financial Planners use to think about a full financial picture — savings, debt, and protection, not just credit. PRIVACY FIRST No bank credentials. No credit bureau pulls. Your inputs stay yours — used to calculate your score, not sold, not shared, not mined. EDUCATIONAL, NOT ADVISORY PFScores is an educational tool. It shows you what your financial life looks like and helps you understand what shapes it. It does not provide financial advice, recommendations, or specific projections. For personalized guidance on your situation, consult a licensed financial professional. BUILT FOR REAL LIFE Your finances change when your life changes — a raise, a new baby, a home purchase, a job move. Retake the check-in whenever those moments happen and watch your money get healthier over time. Download PFScores today. See your full financial picture in minutes, and start understanding your money the way professionals do.

The Debt Eraser App is a personal finance tool designed to help users understand, manage, and address their outstanding debts. Users can input and track multiple debts, including credit cards, medical bills, and collection accounts, within a centralized dashboard. The app provides educational resources related to consumer debt laws and financial rights. Based on user input, the app generates pre-filled letter templates such as debt validation letters, settlement offer letters, hardship letters, and goodwill requests. These letters are intended to assist users in communicating with creditors and collection agencies. Users can review, edit, and export these letters for personal use. The app also includes optional mailing functionality through a third-party service, allowing users to send letters directly from the platform. The app offers a guided experience to help users follow a structured process for addressing their debts. Progress tracking features allow users to monitor actions taken, such as letters sent or responses received. Subscriptions unlock premium features including unlimited letter generation, advanced tracking, and additional educational content. The app does not provide legal advice, credit repair services, or direct negotiation with creditors. It is intended as a self-help tool for informational and organizational purposes only.