Calibrated. Educational. Sourced.

Paliscore is educational software. You input a snapshot of your credit and financial profile (or pull it via Plaid on paid tiers), and the system returns:

• A calibrated readiness grade (A–F) for a chosen funding lane — mortgage, SBA, business credit, refi, rebuild.
• Prioritized educational actions — not 47 things, the 3–5 that materially move your file for the lane you picked.
• A 5-phase roadmap with calculators (DTI, utilization, score simulator, payoff planner) calibrated to your numbers.
• On Plus and Premium: scenario paths, AI coaching in your context, and a printable lender-prep packet.

• Not a credit repair organization. We do not dispute items on your credit report, contact creditors on your behalf, or guarantee any outcome. We are not subject to and do not claim coverage under the Credit Repair Organizations Act (CROA).
• Not a lender or broker. We do not extend credit, originate loans, or earn referral fees from lenders.
• Not a registered investment adviser. Our savings catalog is educational framing, not investment advice. Verify with a licensed advisor before acting.
• Not a marketing front for credit-card affiliate offers. Our card recommender surfaces 3 calibrated picks based on your file — we do not earn commissions ranked ahead of fit.
• Not a generic score app.Credit Karma shows you a VantageScore most lenders don't use. We return the FICO version that matters for your specific lane (FICO 5/4/2 for mortgage, FICO 8 for consumer credit, FICO SBSS for SBA).

The grade is a calibrated function of inputs that lenders actually weight in the lane you select. It is not a score estimate; it is a readiness signal — “how close is this file to the underwriting bar for this funding type, today.”

The inputs vary by lane. For mortgage: middle of FICO 5/4/2, DTI, reserves (with retirement-account haircut), tradeline depth, and derogatory items. For SBA: personal FICO + business FICO SBSS, 2-year revenue, debt service coverage, and time in business. For business credit: entity foundation (EIN, address, registered agent), trade tradelines reporting, and Paydex progression. Each lane has a separate calibrator built from published lender criteria.

The grade rounds to A–F because false precision (“717.34 probability of approval”) implies certainty we don't have. The action priorities and scenario paths are where the real value is — the grade is the trailhead.

Everything in our content cluster (/learn) and in-product copy cites primary sources where applicable:

• CFPB consumer guides + regulatory text
• Fannie Mae and Freddie Mac selling/seller guides
• SBA standard operating procedures (SOPs)
• FICO and VantageScore published methodology
• FDIC, IRS, Treasury Direct, FTC publications
• Bureau-published documentation (Experian, Equifax, TransUnion)

We update articles when the underlying source changes (annual limit updates, regulatory changes, lender policy shifts). Each article carries a published + updated date. We do not fabricate statistics or attribute claims to authorities that didn't say them.

We do not write content that promises specific score increases or approval outcomes. We do not write “remove negative items in 30 days” copy. If a strategy depends on a consumer-protection law (FCRA, FDCPA, ECOA), we cite the section and link the source.

• We will not promise a specific score change in a specific timeframe.
• We will not promise a specific funding outcome (mortgage approval, SBA loan size, business credit limits).
• We will not generate dispute letters as the core product. The educational content explains your rights under FCRA and FDCPA; acting on those rights is your decision.
• We will not sell your data, run paid placements inside recommendations, or accept lender referral fees that affect ordering.

Paliscore is independently operated. Editorial and engineering are handled by the founding team; the “Paliscore Editorial” byline on articles reflects internal review rather than a single named author. We engage outside subject experts (mortgage brokers, SBA-experienced bankers, CPAs) for spot review on lane-specific content. We don't pay them for endorsements.