PRICING
Three tiers. Calibrated to your goal.
Start with the free 2-minute readiness quiz. Subscribe when you want the full plan, the toolkit, or lender-grade preparation. Cancel anytime. 7-day refund.
Your full grade, priorities, and the toolkit
Starter
$27/mo
or $245/year ($20/mo equivalent — save 25%)
- All priorities (not just 2)
- All funding lanes
- All 5 roadmap phases
- Connect your bank with Plaid for live budgeting
- Funding probability calculator
- DTI + auto, mortgage, personal loan calculators
- Score simulator + debt payoff planner
- Card recommender (3 calibrated picks)
- Educational savings options catalog
- Downloadable Starter PDF report
- Monthly reassessment
Toolkit + scenarios, scripts, and AI coach
Plus
$47/mo
or $395/year ($33/mo equivalent — save 30%)
- Everything in Starter
- Plaid live budgeting + automated DTI updates
- 3 scenario paths (rebuild, refi, business credit)
- Negotiation scripts + goodwill letters
- AI coaching chat — ask follow-ups in your context
- Downloadable Plus PDF report
The complete plan + lender preparation
Premium
$97/mo
or $755/year ($63/mo equivalent — save 35%)
- Everything in Plus
- Plaid live budgeting + real-time liability tracking
- 5–10 lender prep Q&A tailored to your situation
- Printable lender-meeting worksheet
- Intake appendix — share with your CPA or broker
- Premium PDF report (~14 pages)
- Live credit analysis (coming soon)
- Priority email support
Common questions
Can I cancel anytime?
Yes. One click in your account portal — no phone call required, no retention friction. Cancellation takes effect at the end of the current billing period.
What’s the refund policy?
Full refund within 7 days of the initial charge for any reason. Email support@paliscore.com to request.
Do you charge for the readiness quiz?
No. The 2-minute quiz and the resulting grade are free. You only see the prompt to upgrade after seeing your grade.
Is Paliscore a credit repair service?
No. Paliscore is strictly educational. We do not dispute items on credit reports, contact creditors on your behalf, or guarantee any outcome.
How is this different from Credit Karma or Mint?
Credit Karma shows you a generic score. Paliscore generates a calibrated readiness brief specific to your funding goal (mortgage, SBA, business credit, etc.) — with prioritized actions, calculators, scripts, and a roadmap. We are educational, not a marketing front for credit-card affiliate offers.
Start with the readiness check.
Two minutes. No signup required. See your funding-readiness grade before you decide whether the toolkit is worth $27.