Duet is a credit and finance app that keeps your personal and business money cleanly separate - one tap flips the whole app between your two financial worlds, so scores, accounts, and advice never get mixed. Check your scores with a soft pull that never dings your credit, watch for changes with monitoring and alerts, and model decisions before you make them with the score simulator. Sage, your built-in AI advisor, reads your real numbers and gives a specific next move - like pay $160 by the 22nd - instead of generic tips. Business mode even tracks PAYDEX-style scores and vendor trade lines. Free to start, on web and phone.