Rat Race Escape Plan

DebtPath IQ™ screenshot tour

The Reports tab

Two printable reports — one locked behind your own PIN, and cleaned up afterwards.

Overview

Reports turns your plan into paper. One report shows which bills draft themselves and which do not. The other is the creditor report you would hand to a credit counselor or an attorney — and because it carries full account numbers, DebtPath IQ™ makes you unlock it first, then helps you wipe the printed copy off your drive when you are done.

Screens

  1. The DebtPath IQ Reports tab, described as printable reports you can hand to yourself, a family member, or a third party helping with your debts. Two cards each hold a button: Auto-Pay Status (which accounts draft automatically and which do not, and the total dollars each side represents each month) and Creditor Report (a printable list with full account numbers for a consumer credit counselor, attorney, or similar third party, protected by your report PIN).
    Two reports

    Two reports, for two different conversations. Auto-Pay Status is for you — a quick audit of what drafts itself. The Creditor Report is for someone helping you, and it is the only screen in the app that shows a full account number, which is why it is the only one behind a PIN.

  2. The Auto-Pay Status report, split into two lists. Under a green “On Auto-Pay” heading sit Chase Sapphire $267.00 due day 5, Citi Double Cash $162.00 due day 12, SoFi Personal Loan $300.00 due day 8, and Wells Fargo Personal Loan $510.00 due day 1, each showing status Open and masked last four digits; subtotals report $1,239.00 of credit accounts on auto-pay, $0.00 of car and mortgage, and a total of $1,239.00 drafted automatically each month. Under a red “NOT on Auto-Pay” heading sit Best Buy Store Card $35.00, Capital One Quicksilver $117.00, Discover it $57.00, Speedy Cash Payday Loan $355.00, and Upstart Installment Loan $317.00, totalling $881.00 requiring a manual payment each month. An “Export and print” button sits at the bottom.
    What drafts itself, what does not

    The month split in two, with a dollar figure on each half: $1,239 drafts itself, $881 depends on you remembering. That second number is the one worth knowing — and here it covers five separate bills, including the payday loan. The screen names the two reasons to check this page: to make quick changes if your income stops, and to catch anything that quietly fell off autopay without telling you.

  3. A slide headed “The Creditor Report,” listing how DebtPath IQ keeps data secure: full account numbers appear in only two places, when you enter them and in the creditor report; that report exists to share with a financial counselor, planner, or credit counseling service, whose full account numbers let them work with your creditors on your behalf; printing any report with account numbers requires a PIN you set up in the software; and the app never stores expiration dates or security codes, so no one gets your full account number unless you give it to them.
    Why this one is locked

    The plain-English privacy rule. A full account number lives in exactly two places — the screen where you typed it, and this one report. Expiration dates and security codes are never stored at all. The report exists for a real reason: a counselor cannot negotiate with your creditors using the last four digits. Everything else in DebtPath IQ™ shows you a masked number.

  4. The Creditor Report screen asking for a report PIN before continuing. A note explains it is a printable list with the full account number, to hand to a consumer credit counselor, attorney, or similar third party, and that it is protected by the report PIN because it shows more than the last four digits. A masked PIN field sits above an Unlock button and a “Forgot your PIN?” link.
    Unlock with your PIN

    A PIN you chose yourself stands between this report and anyone who sits down at your computer. Note the wording the app uses: it is protected because it shows more than the last four digits. The lock is tied to what is actually at stake, not applied for show.

  5. A slide headed “PIN number or security question answers to unlock report,” noting that you answer two security questions if you cannot remember your PIN, and that the PIN and security questions are configured on the Settings screen after installation. Beneath it, the Creditor Report screen asks the user to answer two of their security questions, explaining that because the app is already open only two are asked rather than the four a full password reset would require, with two example questions and answer fields above Check answers and Cancel buttons.
    Forgot the PIN

    Forgetting the PIN does not cost you the report. Answer two of the security questions you set up after installing, and it opens. The app is deliberate about the number, and says so on screen: two questions here because you are already signed in to the computer, and four if you were doing a full reset. You set the PIN and the questions on the Settings tab.

  6. Slide titled “Select the debts you want on your report.” The Creditor Report screen shows a section titled “Choose which debts go on this report,” explaining that nothing is checked by default, that checked means handed over to whoever gets this report and unchecked means you are keeping it. Buttons offer Select all credit cards, Select all debts, and Clear. Eight of the nine debts are ticked — Best Buy Store Card, Capital One Quicksilver, Chase Sapphire, Citi Double Cash, Discover it, SoFi Personal Loan, Speedy Cash Payday Loan, and Upstart Installment Loan — while Wells Fargo Personal Loan at $22,000.00 is left unticked. A footer line reads 8 debts selected, total balance $43,947.00, total minimum monthly payment $1,610.00, above an “Export and print the Creditor Report” button. Below that, a panel headed “Printed copies saved on this computer” explains that closing the browser tab does not delete the printed file, that DebtPath IQ clears saved copies when you print another report and when you close the app, and offers a “Delete the saved copies now” button.
    You choose what to share

    Handing someone your debts should never be all-or-nothing. Nothing is ticked when this screen opens — you decide, debt by debt, what goes on the page. The app states the stakes in one line: checked means handed over, unchecked means you are keeping it. Here eight debts go to the counselor and the Wells Fargo loan is deliberately held back, so the running total reads $43,947 of the household’s $65,947 — you can see exactly what you are about to disclose before you print it.

  7. Slide titled “Export report for printing,” showing the finished Creditor Report as a printable document. It is headed “Prepared for a consumer credit counselor, attorney, or similar third party · Prepared July 30, 2026 by DebtPath IQ” and holds a table with columns for creditor, type, account status, full account number, balance, minimum monthly payment, autopay on or off, and bill due day. Eight debts are listed — Best Buy Store Card, Capital One Quicksilver, Chase Sapphire, Citi Double Cash, Discover it, SoFi Personal Loan, Speedy Cash Payday Loan, and Upstart Installment Loan — with a totals row reading $43,947.00 and $1,610.00. A closing line explains the report lists only the debts the account holder selected to turn over for assistance, and that any debt not listed is one the account holder intends to keep paying directly. A caption beneath states that the account numbers shown are fictitious and for illustrative purposes only.
    The finished report

    The document itself — dated, addressed to a counselor or attorney, and totalled. Every column a professional would ask for sits on one page, including the autopay column and the bill due day. And notice what is not here: the Wells Fargo loan you left unticked on the previous screen is genuinely absent, and the totals count only the eight debts you chose. The closing line then does quiet work for you — it tells the reader that anything missing is a debt you intend to keep paying yourself, so a short report is never mistaken for a hidden one.

  8. Slide titled “After printing, you can delete the report history.” The Creditor Report screen shows a status line reading “Deleted the saved copy. An open browser tab can still print it, but not reload it.” Beneath, a panel headed “Printed copies saved on this computer” reports that no printed copies are saved right now, and explains that closing the browser tab does not delete the file because it only closes the window onto it, that DebtPath IQ clears saved copies when you print another report and when you close the app, and that you may clear them immediately instead. A further note explains that a browser tab already open keeps showing and printing the report after the file is deleted because the page is held in the browser’s own memory, and that reloading that tab is what will not work — so finish printing first, then delete. A “Delete the saved copies now” button sits at the bottom.
    Then clean up after yourself

    Printing the creditor report writes a copy to your hard drive, and that copy carries full account numbers. DebtPath IQ™ already sweeps it up for you — when you print the next report, and again when you close the app — but this button lets you do it the moment you are finished, which is the habit worth building. Print it, check you have what you need, then delete the saved copy.

    The screen is straight with you about one quirk instead of hiding it: a print tab you already have open will keep working from the browser’s own memory even after the file is gone, though it will not reload. So finish printing first, then delete. Few programs bother to explain a detail like that — and it is the difference between believing your data is cleaned up and knowing it.

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