Tides Credit vs Cambio Elevate

Your Tides Credit account, wherever you are. Tides Credit is the companion app for clients receiving credit services from Rising Tides Consults LLC. Sign in with your existing Tides account to stay connected to your credit information and your specialist. REVIEW YOUR CREDIT See available credit scores, report history and bureau-by-bureau account details, including payment history and personal information reported by each bureau. FOLLOW YOUR PROGRESS Review changes across comparable reports, dispute rounds, mailed letters and confirmed items removed. A balance no longer appearing on a report does not mean the underlying debt was forgiven. STAY CONNECTED Message your Tides team, share documents, review your credit audit and sign available agreements. PLAN YOUR NEXT STEPS Explore your debt plan and credit tools. With your permission, Credit Coach uses your credit information to provide AI-generated guidance. You can decline or withdraw AI-sharing consent in Privacy & data. CHOOSE YOUR UPDATES Control push notification categories for messages, credit updates, documents and other account activity. Feature and report availability depend on your account and connected data. Scores can differ between bureaus and scoring models. Score improvements are not guaranteed, and AI guidance can make mistakes. Support: https://tidescredit.com/support Privacy: https://tidescredit.com/privacy

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