CreditSoft vs Ditch
CreditSoft
creditsoft.com
Ditch
ditch.ioSide by side
| Figure | CreditSoft | Ditch |
|---|---|---|
| Price from | $1,095/mo | $3.99/mo |
| Free plan | — | — |
| Free trial | — | Yes |
| Open source | — | — |
| Web | Yes | — |
| Windows | Yes | — |
| iOS | — | Yes |
| Android | — | Yes |
| API | Yes | — |
| Self-hosted | Yes | — |
| Plans published | 4 | 3 |
| Spec score · Debt Management Software | 8.1 (#6) | 7.9 (#11) |
| Company | The product is by ICCO, which says it has served credit counseling and debt portfolio management agencies across North America since 1995. | The site identifies the company as Ditch Technologies, Inc. and says it is based in Atlanta, Georgia. |
| Headquarters | Coral Springs, Florida, United States | Atlanta, Georgia, United States |
| Purpose | CreditSoft is an agency platform for credit counseling, debt management, housing services, and related financial services. | Ditch sends round-ups from purchases toward debt to help users pay it off faster. |
| Security | The maker says the platform uses HTTPS encryption, strong passwords, multi-factor authentication, pen-tested security, granular permissions, and audit logging. | Ditch says it implements security safeguards, while noting that no internet transmission or electronic system is completely secure. |
| Support | Technical support is available through a support portal, email, and phone, and the Customer Hub lists dedicated technical-support contact details. | Support options listed by plan range from basic chat and email to premium chat and phone support, and the site also offers a contact page. |
Plans
CreditSoft
- Professional implementation$5,500, paid once
- Front-End Essentials$13,140 a year
- Professional$29,940 a year
- CustomPriced on request
In their own words
CreditSoft
CreditSoft has no write-up on Specifiction yet; its figures are above.
Ditch
Ditch directs purchase round-ups toward a selected debt, with additional options for percentages or smart payoff settings. Users set a trigger amount, such as $25; once round-ups reach it, funds are pulled and sent toward that debt. The app also offers debt-focused budgeting, manual budgeting, transaction reviews, a consolidated debt dashboard and personalized debt insights. Ditch says it connects to accounts from thousands of banking institutions, with 96%+ coverage. Before withdrawing, it checks the account balance and says it will not take funds if the balance is insufficient; the overdraft protection setting has a $100 minimum. Dani, an AI personal finance assistant, is included with Pro. The app is available on Android and iOS. Plan details list Basic at $3.99 a month, Plus at $9.99 a month and Pro at $15.99 a month, all billed monthly. The pricing note also says from $12.99/mo and gives a 7-day trial. The site says round-ups currently go toward debt; savings support is being explored but is not available now. Ditch Technologies, Inc. is based in Atlanta, Georgia.