Creditpal
How it works
Credit score simulator Credit factor analysis Utilization planner Credit improvement plan Credit monitoring
Build credit fast Fix bad credit Build from scratch Credit for a mortgage Credit for a car loan For students and grads Rebuild after a setback Renting an apartment
WalletHub alternative Credit Karma alternative Experian Boost alternative Credit Sesame alternative Best credit builder apps Best credit monitoring services Credit repair software myFICO alternative Self alternative Kikoff alternative Dovly alternative Chime Credit Builder alternative IdentityIQ alternative Credit repair companies
Pricing Blog FAQ Log in

Legal

Privacy Policy

Last updated July 2026

This Privacy Policy explains how Creditpal ("we", "us") collects, uses, and protects information when you visit our website or use our credit-education assistant. We aim to be plain and honest about what we do with data.

Information we collect

When you create an account we collect your email address and a verification code we send to confirm it. If you contact us, we collect your name, email, and message. We also collect standard technical information such as your IP address, browser type, and the page that referred you, along with any UTM parameters in the link you arrived from.

Your credit data

Creditpal connects to your credit profile with read-only access. We read information such as your accounts, balances, payment history, credit utilization, account age, and recent inquiries, so we can explain in plain English what is affecting your credit, simulate how actions could change it directionally, and build a step-by-step improvement plan. We never have write access. We never move money, open or close accounts, or take any action on your behalf. We are not a lender and we do not pull your credit toward any lender or product.

How we use information

  • To create and secure your account and confirm your email.
  • To explain your credit, simulate actions directionally, and build your plan, and to send you communications about your access.
  • To respond to your messages and provide support.
  • To understand how the site is used and improve it.

How we share information

We do not sell your personal information. We do not show lender ads or sell your data to advertisers. We share information only with service providers who help us operate the site and assistant (for example, email delivery and analytics), under contracts that require them to protect it, or where required by law.

Data retention

We keep account and contact information for as long as your account is active or as needed to provide the service, then delete or anonymize it. You can ask us to delete your information at any time.

Security

We use industry-standard measures to protect your information, including encryption in transit and at rest, read-only and least-privilege access to your credit profile, and access controls. You can revoke our access at any time.

Educational guidance only

Creditpal is educational guidance only. It is not financial, credit-repair, or legal advice, and it does not guarantee any specific score or outcome. For your rights, free annual credit reports, and authoritative information, visit annualcreditreport.com and the Consumer Financial Protection Bureau (CFPB).

Your choices

You can access, correct, or delete your information, and you can opt out of non-essential email at any time. To make a request, email [email protected].

Contact

Questions about this policy? Email us at [email protected].