I have personally used both CREdit (which I bought) and CREditor (which is free) - and am NOT affiliated with either product. To make a long story short, I got a refund on the purchase (which admittedly can do some powerful things that I can't think of any use for) and am happily using the freebie for my needs (which I would gladly pay for if it came to that). Just one opinion. user-to-user