Plans and prices
Credit score app pricing, simple and on the page
Plans start at $7 a month billed yearly. That is less than one late fee. Try the Credit Console free on the site, then create your account.
Starter
People starting to build credit
- One credit profile
- Plain-English factor analysis
- A basic improvement plan
- Read-only credit monitoring
- Educational guidance, no lender ads
Plus
People actively improving their score
- Everything in Starter
- Full what-if score simulator
- Prioritized plan with progress tracking
- Plain-English change alerts
- Priority email support
Pro
People with a goal like a mortgage or car
- Everything in Plus
- Goal scenarios (mortgage, auto, refinance)
- Deeper step-by-step coaching
- Faster monitoring and alerts
- Priority support
Family / Enterprise
Multiple profiles, partners, or advisors
- Everything in Pro
- Up to 5 credit profiles
- Shared household view
- Advisor and partner access
No spam · Educational guidance only · No lender ads
Try it first
See the Credit Console before you pick a plan
Current score
What is moving the score
Try an action and see where it points
Turn an action on above to see the likely direction and rough size of the change, with the reasoning.
The plan, in order of what pays off first
-
·
Less than one late fee a month
Credit-repair firms charge monthly retainers and make promises they cannot keep. Free score apps make their money sending you to lenders. CreditPal is a simple paid coach that explains your credit and gives you a plan, with no ads and no products to sell you.
Pricing FAQ
What you get and what it costs
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.
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.