Sibb Credit vs Cambio Elevate

Sibb is a private credit app for families and the people you actually trust. Connect your real credit report, then decide — person by person — how much of it anyone can see. Everything, just the direction you're heading, or nothing at all. You can change your mind at any time, and nobody else can change it for you. WHY SIBB Credit is a family subject. A parent adds a child as an authorized user. A couple shares a card. Someone co-signs. But every credit app is built for one person alone, which leaves families guessing. Sibb is built for the way credit actually works between people who trust each other. THREE LEVELS OF SHARING • Full view — your score, accounts and history • Score only — a range and a direction, never the exact number • Private — nothing at all Everyone joins a circle private by default. Sharing is something you turn on, never something you inherit. WHAT YOU GET • Your real credit report and score from Equifax • A soft pull, so checking never affects your score • Every account on your file, with issuer logos and full payment history • Score history over time, side by side with your circle • Shared accounts detected automatically when the same account appears on two people's reports • Clear labels when the bureau did not report who owns an account, so nothing is assumed about you PRIVACY IS THE ARCHITECTURE Sharing rules live in the database, not in what a screen happens to hide. Your Social Security number is used once to verify you with the bureau, then discarded — it is never stored on your phone. Leaving a circle or withdrawing consent revokes access immediately, in both directions. You can delete your account, and everything with it, from inside the app. THE NAME Sibb is Old English. It meant kinship and it meant peace — the same word for both. A thousand years ago, being someone's family and being at peace with them were not separate ideas. That is the version of family money we wanted to build for. Sibb is not a lender, not a credit repair service, and not financial advice. Credit data is provided by Equifax through Array. Requires iOS 18 and a United States address with a Social Security number or ITIN.

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