Tap to Talk with PALSpeak with PAL directly on this device—no dialing.
CREDIT DUESMARTPOWERED BY PALFREE CREDIT CLARITY SCAN
Speak it. See it. Confirm it.
PAL stays with you through five private questions, creates your three-step plan, and helps document one credit-report item—without printing or uploading your report.
Start onlineUse voice, tap, or type on this page.
Continue with PALUse the recovery number PAL gave you.
Enter my recovery numberVoice, tap, or typeOne question at a timeSecure voice recovery
PAL prepares and organizes.It does not pull reports, calculate scores, send disputes, provide legal advice, or promise results.
HELLO, I’M PAL
I’ll stay with you one step at a time.
You can speak, tap, or type. PAL shows and reads back every proposed answer before adding it.
If you use the microphone, your browser or device may process speech to create text. PAL saves only confirmed text when device saving is selected.
THE PAL DIFFERENCE
A closed loop—not a microphone decoration.
Ask
One plain-language question at a time.
Capture
Speak, tap, or type into the active field.
Confirm
See and hear the proposed answer before it is added.
Save
Know whether the work is in-session or saved on this device.
Act
Receive one official next step without a false promise.
PRIVATE BY DESIGN
Never place these in PAL.
Keep full reports, identifying numbers, passwords, and security credentials in your own secure files.
Social Security numberFull account numberPassword, PIN, or CVVCredit-report loginIdentity-document numberUploaded credit report
OFFICIAL SOURCES
Use the real source.
STRAIGHT ANSWERS
Before you begin.
Does PAL save my answers?
On this page, only if you choose device saving. During a PAL voice conversation, secure saving starts only after you opt in. PAL then saves one confirmed field at a time in an encrypted record and gives you a ten-digit recovery number that expires after seven days. The number is closed after successful website recovery.
Does PAL send a dispute?
No. PAL prepares a personal review and links to official resources. No bureau, furnisher, collector, lender, or government office is contacted.
Can I complete this without speaking?
Yes. Every question can be completed by tap or keyboard. Voice and read-aloud are optional.
Is PAL a live person?
No. PAL is an automated voice coach that works directly on this device. It can guide the scan and create a secure recovery record, but it does not pretend to be a person or promise a callback.