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 your credit profile and explains it. You stay in control, and you can revoke access at any time.
No. Creditpal uses a soft view of your credit, which does not affect your score 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 uses that to explain your factors and build your plan. The connection is read-only and your data is encrypted.
Yes. Plans are simple and month to month at heart, and you can cancel anytime from your account. When you cancel you can also revoke Creditpal access to your credit profile in a click.
Simple paid plans starting at 7 dollars per month billed yearly, with Plus at 15 dollars per month as the most popular tier and Pro at 29 dollars per month for a specific goal like a mortgage. You can try the Credit Console free on the site first, no signup needed.
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.
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.