CreditPal
How it works
Credit score simulator Credit factor analysis Credit utilization calculator Credit improvement plan Credit monitoring Credit limit increase calculator Credit card payoff calculator Debt to income ratio calculator
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FAQ

Credit score questions, answered

Is it safe, will checking hurt your score, do we guarantee points, are we a lender, is this credit repair, and what it costs. The honest answers, in plain language.

It is read-only. We never move money, never open or close accounts, and never make changes on your behalf. CreditPal only reads the credit report you bring, as a PDF, pasted text or figures you type, and explains it. It never logs in to a bureau, bank or card. You stay in control, and you can disconnect a report from your account at any time.

No. CreditPal reads the report you already have, for example the free one from annualcreditreport.com, so no inquiry is made and your score is not affected no matter how often you check. A hard inquiry, the kind a lender runs when you apply for credit, can lower your score slightly. CreditPal never does that.

No, and anyone who guarantees you an exact number is a red flag. Credit depends on your own situation and the bureaus. CreditPal gives educational guidance and directional estimates with the reasoning, so you understand the likely direction of a change, not a promise.

Never. CreditPal is not a lender and sells no financial products. There are no lender ads, no affiliate card offers, and no loans pushed on you. You get a plain-English explanation and a plan, and that is all.

No. We do not file disputes for you and we never promise to delete items from your report. For your rights, free credit reports, and disputes, we point you to the official sources: annualcreditreport.com and the CFPB at consumerfinance.gov.

Sites like Credit Karma show you a number next to a wall of card and loan offers, because their business is lender lead generation. CreditPal makes its money from your subscription, not from ads. We coach you and explain your factors, with no offers to sell.

It depends on your situation, so we will not make a false 30-day promise. Some factors can shift in a billing cycle or two, others take longer. Your plan is sequenced by impact, and CreditPal helps you track progress over time so you can see what is working.

CreditPal reads your credit profile: payment history, balances and utilization, credit age, account mix, recent inquiries, and any derogatory marks. It reads those from the credit report you upload or paste, or from the figures you type in. Reading is one way only, nothing is ever sent to a bureau or a creditor, and your data is encrypted.

Yes. Every plan is billed monthly or yearly, and you can cancel from your account at any time. Cancelling stops the next renewal and your plan stays open until the end of the period already paid. You can also disconnect any report you added with one click.

Four paid plans, each billed monthly or yearly. Billed yearly: Starter at 7 dollars per month, Plus at 15 dollars per month as the most popular tier, Pro at 29 dollars per month for a specific goal like a mortgage, and Family / Enterprise at 59 dollars per month for a household. Billed monthly: 9, 19, 39 and 79 dollars. You can try the Credit Console on the site right now to see how it works before you pick a plan.

For your free credit reports and your rights, go straight to the official sources: annualcreditreport.com for free reports and the CFPB for consumer protections. CreditPal points you to these, it does not replace them.

Try it first

See your factors explained before you ask

Credit console
read-only, nothing is saved
Start with the situation closest to yours
Reading the factors

Current score

What is moving the score

Try an action and see where it points

The plan, in order of what pays off first

Educational guidance only, never a promise of a score

Still have a question?

Try the Credit Console free on the site to see your factors explained, or send us a note. Either way, you will have answers in minutes.

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