Cambio Elevate vs Amppfy

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

Amppfy answers the one question every household asks: what can we actually spend before payday? ONE CLEAR NUMBER Your bank balance isn't what's safe to spend, because rent hasn't come out yet. Amppfy takes the cash in your accounts, subtracts the bills due before your next paycheck, sets aside your planned savings and a safety cushion, and shows what's left: Safe-to-Spend™. The math is printed right under the number, every line one you entered. ONE WORD FOR THE WEEK Under the number, a short scale says how the days to payday look: comfortable, tight, or dips into cushion. Beside it, the date the number holds until and what that is a day. One glance, no guessing. TEN MINUTES A WEEK KEEPS IT HONEST The weekly check-in is four short steps: see where you stand, confirm the bills that are due (tap the circle to confirm, tap the bill to change it this time), settle anything flagged, and close the week. Forgot a bill or a paycheck? Add it right there. Three cards close the week, with your streak. BUILT FOR TWO Invite your partner with a link or a QR code. They sign in with their own login and land on the same number, the same bills, the same goals, updated the moment either of you changes something. Shared accounts show for both of you; private ones stay private, and that rule lives in the database, not just on the screen. RUNS ON THE BALANCES YOU ENTER Enter what's in your accounts, about thirty seconds each, and your number is ready. Updating a balance takes a tap, and the check-in reminds you when one is getting old. Your data is never sold. SEE THE MONTH, NOT JUST THE MOMENT Budget shows where the month's money goes from the plan you already made: bills, savings, subscriptions and everything else, with a page per bill group, month by month. Calendar lays out every bill and payday on the full month grid, with the lowest point before payday marked. Net worth and Accounts show what you own and what you owe on the same clear rows. A HEADS-UP, NEVER AN ALARM A note the day before a bill, when the dip before payday reaches your cushion, or when it's check-in day. Calm, on your terms, and easy to tune. WHAT'S INSIDE • Safe-to-Spend™, recalculated the moment anything changes, with every line of the math shown • Bills: before payday, this month, subscriptions, all; due dates, auto-pay, who owns what • Income: every paycheck on its schedule, so you always know when the next one lands • Goals: an emergency fund or a trip, funded first like a bill, with a page each for Add money and Adjust • Budget: the month in four parts, any month back, any bill group over time • Calendar: your month at a glance, with the running balance under it • Net worth and Accounts: checking, savings, cash and credit cards, each counted or not on your terms • Household: members, what each person sees, and the settings that shape your number • Widget: your number and how the week looks, on your Home Screen ONE ACCOUNT, EVERYWHERE Sign in with Apple, Google, or one email address. Everything stays in step between your iPhone and the web at app.amppfy.com, so the number you check in the checkout line is the number your partner sees at the kitchen table. Free. No credit card required. Finding your number takes about five minutes: enter your balances, your next payday and the bills due before it, and the receipt fills in as you go. Then invite your partner and pick a day for your first check-in.