SmartCredit® vs Phantom Focus

SmartCredit® Control your future credit score!™ SmartCredit® helps you control your credit score, money and identity in one place. Easily see what's helping or hurting your credit score and get a personalized plan to make it better, so you can qualify for loans with the best rates, as quickly as possible. SmartCredit® even safeguards the points you gain with credit monitoring and identity fraud insurance. KEY FEATURES: SCORETRACKER Easily track all your scores with simple charts or in-depth information. SCOREBUILDER® See exactly what's helping or hurting your credit score and get your personalized, 120-Day Plan to a better score. SCOREBOOST™ Discover how your spending strategies can unlock hidden credit points using our patented credit data science. PRIVACYMASTER® See where your private information is exposed online and request removal with one swipe. NEWLY DESIGNED 3B REPORTS & SCORES It's never been so easy to read and understand your TransUnion, Equifax and Experian credit reports. ACTION BUTTONS Remove credit reporting errors, identity theft and ask questions directly with your creditors using our patented Action Buttons. MONEY MANAGER All your online banking, credit cards and investments in one place, with Action Buttons to quickly resolve problems or ask questions with your financial institutions. $1 MILLION WHOLE FAMILY FRAUD INSURANCE Full coverage for your whole family, including pre-existing issues you did not know about. Free with your membership. Activation is required.

5 to 6 hours. That is the average time lost to phone screens every day — mostly on autopilot. Phantom Focus is the strict, privacy-first screen time blocker designed to break the doomscrolling loop for good. NO INSTANT OFF-SWITCH Most app blockers fail because turning them off takes one second. Phantom Focus fixes this: disabling protection or removing a guarded app triggers a mandatory 5-minute cooling-off, and raising your budget only takes effect tomorrow. The dopamine urge passes before the timer ends. The shield stays. ONE BUDGET, ZERO LOOPHOLES • Assign a single shared time budget across all distracting apps (Instagram, TikTok, X, YouTube) • When your budget hits zero, the shield locks them all instantly • No per-app allowances to game or cheat FOCUS TIMER Lock the apps you choose — or all of them — for 15 minutes to 2 hours. Make it to the end and celebrate: every session adds to your lifetime focus hours and unlocks new milestones. SCHEDULES Block apps automatically at set times: Work hours, Bedtime, Morning, or your own window with its own app list. Once a window starts, it can't be switched off on a whim. EARN YOUR EXTRA MINUTES Need emergency access? Hold the challenge ring to break through — 10 seconds for the first unlock, 20 for the second, 30 after that. Breaking a focus session or a schedule always costs 30 seconds. Every minute spent becomes a conscious purchase, not a reflex. TRUTH-BASED STREAK Track your resilience with an honest streak counter. One slip a day is your emergency margin. A second breach — or quitting a focus session or schedule early — burns your streak back to day one. BUILT FOR ADHD & DEEP WORK Struggling with impulse control or phone addiction? Phantom Focus acts as an external prefrontal cortex, helping you stay in deep work, reduce anxiety, and regain focus. 100% PRIVATE & ON-DEVICE Powered entirely by Apple's Screen Time framework (Family Controls). Zero accounts, zero analytics, zero ads, and no network connections. Your browsing habits and app selections never leave your device. Stop losing hours to mindless scrolling. Download Phantom Focus and own your attention again.