This is nothing but a classic illegal pyramid run by the owner of The Credit Exchange, Steve Vanderhoof. What's happening here is The Credit Exchange is going out of business due to poor business practices, class-action law suites brought on by former employees and law suites being brought against them by the attorney general in two states over dealings with the now defunct companies, HESS KENNEDY and ALEGRO consolidation companies.

They need a new form of income stream so they decided to hastily through together a website, charge an erroneous amount for access to this site so they can pay their up-lines. Problem here is their competition for this type of "financial tracking software" is giving it away for free at a better quality. The suckers that fall for this scam will realize that they will have to sell this in a market whereas it is completely saturated with companies giving it away for free. I expect this to fall apart very shortly or be shut down by the authorities.

If you plan on involving yourself with this be careful. The ones running it are desperate and will do anything and promoting a pyramid scheme is considered a felony offense.