Question 1

Do I need to sign up to take the quiz?

Accepted Answer

No. The quiz runs anonymously. You see your grade and top priorities before being asked to create an account, and the account is only needed to save your plan for monthly tracking.

Question 2

Will Paliscore pull my credit?

Accepted Answer

No. The quiz uses the numbers you enter manually. We do not soft-pull or hard-pull your credit. (On paid tiers, you can optionally connect your bank via Plaid for read-only liability data — you control whether to enable that.)

Question 3

How long does it take to get my grade?

Accepted Answer

About 2 minutes for the intake, then 10–20 seconds while the AI generates your readiness brief.

Question 4

How is my Paliscore grade calculated?

Accepted Answer

Three sub-scores combine into the letter grade: payment foundation (history of on-time payments, lates, collections), utilization efficiency (revolving balance vs. limit), and file maturity (account age, mix). The model is calibrated against funding-underwriting criteria, not generic credit advice.