Cresla AI vs ClaimRight

Cresla AI is your personal credit analyst — powered by AI. Take a clearer look at your credit report. Cresla reads your full TransUnion, Equifax, and Experian data and turns it into plain-English insights you can act on. Spot collections, late payments, charge-offs, and inquiries that may be hurting your scores, and get personalized recommendations on what to focus on next. WHAT CRESLA DOES • Imports your credit report from supported providers and parses every account, balance, payment, and negative item • Highlights negative items by severity and bureau • Generates dispute letter templates you can review, edit, and send to the bureaus yourself • Tracks your goals — score targets, payoff plans, and which accounts to address first • Gives you a private AI chat that knows your full credit context, so you can ask "what's hurting me most?" or "what should I focus on first?" and get a real answer • Saves your full history so you can compare snapshots over time PRIVACY-FIRST BY DESIGN • Your credit data and security info are encrypted at rest with AES-256-GCM • HTTPS/TLS encryption in transit • Sign in with Apple supported • Face ID / Touch ID unlock available • You control your data — request deletion at any time from Settings WHO IT'S FOR Cresla AI is for anyone who wants to understand their credit before applying for a mortgage, car loan, business credit, or just for peace of mind. It's not a credit repair company, not a law firm, and not a financial advisor — it's a tool that helps you organize your credit data and draft dispute letters yourself. DISCLAIMER This app is an educational and organizational tool. It is not a Credit Repair Organization, law firm, or financial advisor. Individual results vary. Sending dispute letters does not guarantee removal of any item from your credit report. You are responsible for reviewing every letter before sending. Subscription required for advanced AI features and dispute templates. SUBSCRIPTION Cresla AI offers an optional in-app subscription to unlock unlimited AI chat and dispute letter generation: • Annual: $150/year • Monthly: $50/month Subscriptions auto-renew unless canceled at least 24 hours before the end of the current period. Manage or cancel any time in your Apple ID settings. The free tier lets you import a report and view negative items. Terms of Use (EULA): https://cresla.ai/terms Privacy Policy: https://cresla.ai/privacy

Not sure which UK benefits you qualify for? ClaimRight helps you find out in about 2 minutes, for free. ClaimRight is an independent app. It is not affiliated with, endorsed by, or part of the UK government, any government department, GOV.UK, mygov.scot or nidirect. Answer a few simple questions about your age, work, income, housing, family and health. ClaimRight checks them against published UK Government benefit rates for 2026/27 and shows what you may be entitled to, with estimated monthly values and a link to the official source for each one. Benefits covered include Universal Credit, Pension Credit, Housing Benefit, Council Tax Reduction and disability disregards, PIP / Adult Disability Payment, Attendance Allowance, Carer's Allowance, Child Benefit, Free School Meals, Free Childcare, Healthy Start, Scottish Child Payment, Warm Home Discount, Winter Fuel, NHS Low Income Scheme, Budgeting Advance and Household Support Fund. NEW: Tools and guides - Life events: what to claim after a job loss, new baby, bereavement, health condition, turning 66 or a relationship ending - Better off in work: how your Universal Credit changes if you take a job - Carer earnings check, Deductions check and Self-employed check - Who is in your home, Statutory pay, Bereavement help and State Pension gaps Also: Money you might be missing (tax refunds, lost pensions, Child Trust Funds), Key dates with reminders, a savable plan, What if, and a clean PDF summary to share or email. Tailored for England, Wales, Scotland and Northern Ireland. Figures and rules come from official sources: GOV.UK "Benefit and pension rates 2026 to 2027", mygov.scot, nidirect.gov.uk, the NHS, and postcodes.io (used only to find your local council). No account needed. Your answers and any saved plan stay on your device, nothing is sent to us. Your postcode, if entered, is only used to find your local council and is never stored. Available in English and Welsh. Results are estimates. Always verify and apply on the official government website. This app does not provide financial or legal advice. Developed by Britannia Digital Limited.