For Track My Trail vs TrailScope, choose Track My Trail to investigate missing trail and value your book loan by loan. Choose TrailScope when adjustable portfolio forecasts and automated client review packs drive your decision.
Both products analyse aggregator reports and estimate clawback exposure. The difference is how those findings support your next action: recovering unpaid income, managing future revenue or preparing a book for sale.
Which Trail Questions Each Product Answers
Track My Trail connects your monthly income checks with historical analysis and book valuation. Quick Analysis compares two monthly reports and explains changes in trail. Missing Trail Analysis finds gaps across stored history, while Clawback Risk shows the upfront exposed on loans still inside their clawback periods.
For a possible sale, Elite Suite’s Trail Book Valuation grades each active loan A to E. It adjusts for the book’s shape and cross-checks the result with discounted cash flow. You receive a three-page A4 report and an anonymised loan schedule for the valuation conversation.
TrailScope, from Aartan Group, describes a portfolio workspace with analytics and retention tools. Its product documentation includes adjustable forecasts and automated annual review packs sent to clients. That fits a brokerage whose reporting work includes client communication alongside income analysis.
| Reporting question | Track My Trail | TrailScope |
|---|---|---|
| What income did the reports record? | Two-report Quick Analysis and stored-period Historical Analysis | Trail, upfront and clawback reporting by lender and broker |
| Which payments need investigation? | Missing Trail Analysis separates interrupted trail from discharges | Pricing documentation describes quiet-trail flags after four months |
| What upfront remains exposed? | Clawback Risk uses aggregator or lender rules and days remaining | Product documentation describes lender clawback schedules and exposure reports |
| What income might arrive later? | Annual income projection and Lifetime Value scenarios | Adjustable 12, 24 and 36-month portfolio forecasts |
| What might the book be worth? | Loan-level grading and an anonymised valuation report on Elite Suite | Net-trail multiple model with book-quality adjustments and a discounted cash flow cross-check |
The first row concerns income recorded in your statements. Forecasts and estimated book values belong in separate decisions. A projected dollar cannot reconcile a missing payment.
Missing Trail and Clawback Signals
A missing-trail finding identifies a payment gap to investigate, while a clawback estimate identifies upfront income exposed to a possible future charge. Neither establishes that an aggregator has made an error.
Missing Trail Analysis in Track My Trail identifies trail that stopped and later returned, separately from a discharged client. The missing months and amount give you a specific query to raise with the aggregator. Commission Verification adds another check: it matches upfront payments to trail expected within two months and shows trail received without upfront.
Clawback Risk lists every loan still inside its clawback period, with the days remaining and upfront at stake. It groups loans as Critical, Watch, Monitor or Passive under the applicable aggregator or lender rules. A loan appearing here needs attention because it remains exposed, even if every payment so far is correct.
TrailScope’s pricing page describes loans with four months of quiet trail as possibly discharged. Its feature page describes reversals and adjustments informing loan status, plus a Clawback Exposure PDF for disputes. Those signals support investigation, but a quiet account can have a different cause from an incorrectly withheld payment.
For either product, keep the original statement beside the finding. Send the aggregator the loan reference, affected payment periods and the disputed amount, with the report showing the discrepancy. Record its explanation and any correction against that same loan. This preserves the difference between a software flag and a confirmed underpayment.
Forecasts and Book Valuation
A forecast estimates future income under assumptions, and a book valuation estimates what that future income stream is worth. Your statement history anchors both, but neither is money already received.
Track My Trail’s Lifetime Value projects future trail per client under average-discharge, 20-year and 30-year scenarios. These views help you see where keeping a client changes expected future income. Elite Suite’s valuation adds loan-level grades and book adjustments, then compares the result with a discounted cash flow view.
TrailScope’s forecasting documentation describes adjustable churn, rate and clawback-rate inputs over 12, 24 or 36 months. Its valuation page starts with net annual trail and adjusts a multiple for runoff, clawback exposure, loan age and lender concentration. It says uploaded commission data supplies the book inputs and adds a discounted cash flow cross-check.
Illustrative example: two books record the same annual trail, but one loses loans faster. Applying the same multiple to both hides the difference in expected future payments. A forecast that assumes those loans stay will also overstate that book’s income.
Use the output to explain the assumptions behind your asking price or purchase assessment. A completed report does not establish a sale price. The buyer still needs to assess the underlying loans and agree the transaction terms, including how payment and ongoing risk are shared.
Import History and Report Exports
Track My Trail starts with two monthly reports for Quick Analysis and builds longer comparisons through optional Trail History storage. It reads aggregator CSV, XLS and XLSX files. Its Generic CSV template handles other report layouts, while Elite Suite’s PDF to CSV converts PDF statements into rows you check before analysis.
You can upload up to 24 monthly reports at once and resolve duplicate payments on screen. Pro Performance analyses the most recent two years for one trail book. Elite Suite includes the full history and combines up to five aggregators or trail books, viewed together or separately.
Quick Analysis saves results as a PDF and stores no report data. For repeated reviews, Trail History retains the periods used by Historical Analysis. Keep the original files as well, so you can trace an apparent movement back to the aggregator’s rows.
TrailScope’s pricing page lists AFG, Connective, LMG/MyCRM, Finsure, Salestrekker and generic CSV/XLSX support. It also describes CSV and PDF exports of clients, loans and commission history. Its aggregator directory includes Aussie. Preserve complete monthly exports when moving history, including corrections that explain a later balance or payment change.
Before replacing an existing reporting archive, reconcile the imported totals against the original statements for the same period. Keep realised trail separate from upfront and clawbacks. Save a copy of the export and note which source periods it contains, so another person can reproduce the review.
Cost and the Better Fit
Track My Trail has monthly or yearly subscriptions, while TrailScope’s pricing page and terms describe free use. TrailScope includes the whole team without seat limits. Its terms require your own AI-provider account and API key for AI Insights, so that account’s charges sit outside the reporting subscription.
Track My Trail’s plans are Excel Escape, Pro Performance and Elite Suite. Prices include GST, and monthly plans can be cancelled at any time. You can upgrade, downgrade or switch billing from your account. See current Track My Trail plans for subscription terms.
Choose Track My Trail if your priority is following missing income through history and preparing a loan-level book valuation. Excel Escape fits a broker comparing two monthly statements. Pro Performance adds two years of stored analysis for one book. Elite Suite suits an owner who needs full history, up to five books and valuation reports, with separate logins for the owner and four teammates.
Choose TrailScope if a free workspace with unlimited team seats and adjustable portfolio scenarios fits your brokerage’s reporting process. Its automated client review packs add a reason to choose it when staff also send and track those communications.
For the commission investigation and valuation workflow, Track My Trail brings the payment history and loan-level findings together. You can get started for free with a 7-day free trial and no credit card.
