Credit Repair

We've helped clients raise their scores by 100+ points.

We dispute bureau errors across all three bureaus simultaneously, negotiate pay-for-delete agreements with collectors, and coach you on the utilization strategies that move the needle fastest — no gimmicks, no "rapid rescore" shortcuts.

FCRA Compliant No Hidden Fees Results in 90 days
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What We Do

Four things that actually
move your score.

Bureau Dispute Management
We file verified disputes with Equifax, Experian, and TransUnion simultaneously — not one at a time. Incorrect account statuses, wrong payment dates, and duplicate entries are challenged with the documentation bureaus can't ignore.
Pay-for-Delete Negotiation
Many collectors will agree to remove the account from your report entirely upon settlement — instead of simply marking it "paid." We negotiate these agreements directly so the debt disappears from your profile, not just changes status.
Utilization Coaching
Credit utilization is 30% of your FICO score and one of the fastest levers to pull. We coach you on the AZEO method — All Zero Except One — and secured card rotation strategies to get your utilization ratio below 10% on reporting day.
Error & Fraud Detection
A full audit of all three bureau reports catches more than disputed items. We identify wrong account statuses, mixed-file errors from consumers with similar names or SSNs, and fraudulent accounts opened in your name — then build the documentation chain to get them removed.
Case Study

520 to 710 — in 14 months.

Marcus came to us with $31k in collections and a dream of buying a house. His income was fine — his report wasn't. Here's what we did and exactly what happened.

Read the full case study →
Credit Repair
520
→
710
FICO score after 14 months
  • 11 erroneous items removed from bureau reports
  • $22,800 in collections deleted via pay-for-delete
  • Closed on a $285,000 home — 4 months ahead of schedule
  • Monthly mortgage payment $400 less than prior rent
Free Consultation

Let's figure out
where you stand.

Tell us a bit about your situation — we'll review your info and follow up within 24 hours.

1 · Your details 2 · Your situation

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Client Results

Scores that moved.
Real people, real reports.

"I had seven collection accounts on my report. I didn't think anything could be done about them. ClearPath got six removed in the first 60 days."
Score went from 589 → 671
Marcus T.
Credit Repair · 3 months
"They caught an account that wasn't mine — someone with a similar SSN had defaulted. The bureaus wouldn't remove it until ClearPath sent them the documentation they couldn't ignore."
Fraudulent account removed · Score +89 points
Patricia K.
Credit Repair · 2 months