CREDIT DUESMARTPOWERED BY PAL

FREE CREDIT CLARITY SCAN

Speak it. See it. Confirm it.

PAL guides you through five short private questions, confirms them once, and gives you a three-step plan—without printing or uploading your report.

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Tap to Talk with PALSpeak with PAL directly on this device—no dialing.
What should I say to PAL?

You do not need special words. After PAL greets you, start with:

“I want help understanding something on my credit report.”

Tell PAL the type of problem:

  • “I see a late payment.”
  • “I do not recognize an account or inquiry.”
  • “My name, address, or other personal information is wrong.”
  • “I have my three credit reports and I am ready.”

Control the conversation at any time:

  • “Please slow down.”
  • “Repeat that question.”
  • “Go back.”
  • “Read my answer back before you save it.”
  • “Say my recovery number one digit at a time.”

Keep it private: Never say your Social Security number, password, report login, or full account number.

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Start onlineUse voice, tap, or type on this page.
Voice, 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.
PALYour Credit Clarity coach
Ready

PAL is ready. Choose how you want to begin.

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.

Did you start this scan by talking with PAL?Enter the ten-digit recovery number PAL read to you. Five failed attempts pause recovery for fifteen minutes.

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.

1

Ask

One plain-language question at a time.

2

Capture

Speak, tap, or type into the active field.

3

Confirm

See and hear the proposed answer before it is added.

4

Save

Know whether the work is in-session or saved on this device.

5

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.

AnnualCreditReport.comFree credit reports ↗Consumer Financial Protection BureauCredit-report dispute guide ↗IdentityTheft.govFederal recovery process ↗

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.