The short version
Both products solve the question "where's my trail going?". Track My Trail focuses on trail visualisation and lost-trail recovery — finding loans you should be receiving trail on but aren't. TrailScope is a broader portfolio workspace: trail/upfront/clawback analytics, retention scoring, forecasting and AI insights, with a focus on forward-looking risk as well as reconciliation.
| Capability | TrailScope | Track My Trail |
|---|---|---|
| Trail visualisation | Yes | Yes (specialty) |
| Lost-trail recovery workflow | Reconciliation views, no recovery service | Yes (specialty) |
| Upfront commission tracking | Yes | Yes |
| Clawback exposure (per-lender schedule) | AFG 56-lender schedule built-in | Generic |
| Retention risk scoring (per loan) | 8 weighted factors | Not advertised |
| Refinance risk alerts | Rate-gap, fixed-expiry, CCR signal | Not advertised |
| Forecasting (12/24/36 months) | Built-in | Historical focus |
| AI Insights (aggregate, BYOK) | Anthropic / OpenAI / Gemini | No |
| Annual review automation | Branded PDF + tracking | No |
| Aggregator coverage | AFG, Connective, MyCRM, Salestrekker | AFG, LMG, SFG, Vow, Finsure, Connective and more |
| Australian data residency | AWS Sydney | Australian |
| Pricing | A$15 / A$35 per month | Tiered, contact-sales |
Where each fits
Choose Track My Trail if your top priority is recovering trail that should be hitting your book but isn't — they have specialised audit and recovery workflows, plus the longest list of aggregator integrations.
Choose TrailScope if you want forward-looking portfolio intelligence — retention scoring, refinance risk alerts, clawback exposure forecasting, AI Q&A — alongside the basic trail visualisation.
It's reasonable to run both: Track My Trail for trail recovery audits, TrailScope as the working analytical surface.
Aggregator coverage
Track My Trail's strength is breadth — they cover most aggregators on the market. TrailScope ships with first-class profiles for AFG, Connective Mercury, MyCRM and Salestrekker; other aggregators work via generic CSV mapping. If you're on a niche aggregator, confirm coverage before signing.
Data handling
Both hold data in Australia. TrailScope's AI Insights run on aggregate-only context — no client PII goes to the model — and support bring-your-own-key for unlimited use. See Security for the architecture.
FAQ
What does Track My Trail do that TrailScope doesn't?
Track My Trail specialises in lost-trail recovery and supports a wider list of aggregators out of the box. TrailScope focuses on the analytics, retention and AI layer rather than the recovery audit.
What does TrailScope do that Track My Trail doesn't?
Per-loan retention scoring, refinance risk alerts based on fixed-rate roll-off and rate-gap drift, 12/24/36-month forecasting, embedded AFG clawback schedule, and AI Q&A on the portfolio.
Can I migrate from Track My Trail to TrailScope?
Yes — TrailScope reads the same aggregator exports. No proprietary data migration is required.
Which one is cheaper?
TrailScope's entry price is published at A$15 per broker per month. Track My Trail uses tiered/contact-sales pricing — confirm against your numbers.
Can I trial both?
TrailScope offers a 14-day free trial. Track My Trail's trial terms are on their site.