We dispute inaccurate items across all three bureaus simultaneously, negotiate pay-for-delete with collectors, and coach you on the utilization strategies that move the needle — all backed by your FCRA rights.
Marcus came to us with $31k in collections and a dream of buying a house within 18 months. His income was fine — his report wasn't.
"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."
"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."
Most clients see their first meaningful score improvement within 60–90 days of starting. Full results — removing collections, charge-offs, and late payments — typically take 4 to 8 months, depending on how many negative items are on your report and how quickly the bureaus respond to disputes. We set realistic expectations upfront rather than promising overnight miracles.
Yes — and the work we do is legally protected. The Fair Credit Reporting Act gives you the right to dispute inaccurate or unverifiable items on your credit report. We leverage that right on your behalf, challenging negative items that bureaus cannot verify with supporting documentation. This is the same process used by consumer attorneys — we just apply it focused and consistently.
Our credit repair service is $199/month — flat rate, no commission, no success fees. You pay the same amount whether we remove 5 items or 25. There are no hidden setup fees. We bill monthly and you can cancel anytime — no long-term contracts, no early termination penalties.
Not everyone is a fit. We don't work with clients who are currently in active bankruptcy, have a recent foreclosure, or have already disputed the same items with no response from the bureaus. If you're not a fit for our credit repair program, we'll tell you during the intake call — and we'll explain why, not just send you a rejection email.
Yes. There are no long-term contracts. Cancel in writing and we stop billing at the end of the current billing period. Any work already underway for that month is completed — you're not paying for a partial month of inaction.
Tell us a bit about your situation — we'll review your info and follow up within 24 hours.
Answer a few quick questions to get started — this helps us make sure we can actually help you.