Your path to financial freedom starts here.
Clear plan. Strong credit. Bright future. ClearPath helps you take control of your credit, eliminate negative items, and build a lasting financial foundation with a strategy built around you.
Where clients start → where they land
Financial education, credit analysis, and a readiness plan built around you.
Our services
Comprehensive financial consulting designed to help you build, repair, and maintain excellent credit.
Credit Repair & Disputes
We identify and legally challenge every inaccurate, unverifiable, or outdated item across all three bureaus.
- All 3 bureau disputes
- Collections & charge-offs
- Late payments removed
- Results in 30–45 days
Credit Score Monitoring
Stay informed with real-time alerts and detailed tracking so you always know where you stand.
- Real-time score alerts
- Monthly progress reports
- Identity theft monitoring
- All 3 bureaus tracked
Credit Building Programs
Build your credit profile strategically from the ground up with proven tools and expert guidance.
- Secured card strategies
- Tradeline optimization
- Credit mix improvement
- Custom growth roadmap
ClearPath pricing
Choose the program that fits your credit situation and financial goals.
This covers your full client setup, profile review, documentation, portal setup, and preparation of your Financial Readiness strategy. Your first monthly service payment is due when your first round of letters is prepared for printing.
Book Free Consultation
What we can remove
Our certified consultants dispute and work to eliminate a wide range of negative items across Equifax, Experian, and TransUnion.
Ready to remove these from your report?
Get a free credit analysis today. Our team identifies every removable item on your report.
Get Started NowHow it works
Four steps from where you are today to where your credit needs to be.
Free Consultation
We review your credit reports from all three bureaus and identify every issue holding you back.
Custom Strategy
We build a personalized action plan with a clear timeline, realistic goals, and defined milestones.
Active Dispute
Our experts file disputes and negotiate with creditors, bureaus, and collectors on your behalf.
Track Progress
Monitor your score improvements in real time through your secure client portal.
A message from our founder.
ClearPath Financial Consulting was founded on a simple belief: everyone deserves a clear path to financial freedom. What started as a commitment to helping family and friends navigate their credit challenges has grown into a full-service consulting practice built on the same principle — real strategy, honest communication, and results you can actually see on your report.
Every client who comes to us gets a plan built around their specific situation, not a one-size-fits-all template. That’s the standard this company was built on, and it’s the standard we hold every case to.
— Founder & CEO, ClearPath Financial Consulting
The ClearPath difference
Certified & Experienced Team
FCRA-certified consultants with 10+ years of combined experience in credit repair and financial planning.
Proven Track Record
500+ clients served with a 98% satisfaction rate and millions in negative debt successfully removed.
Transparent & Fast Results
Clear communication and results you can see in 30–45 days.
Full-Service Support
From credit repair to financial education and business credit, we’re your one-stop financial partner.
What our clients say
ClearPath helped me remove six collections and raised my score by over 100 points in just 45 days. I was able to qualify for my first home, and this team truly changed my life.
I had no idea where to start with my credit. The team at ClearPath walked me through everything, removed two bankruptcies, and now I’m building business credit. Absolutely amazing.
The financial coaching program was a game changer. I learned how to budget, how credit scoring works, and got a real roadmap to build wealth. ClearPath delivers on every promise.
Ready to take control of your financial future?
Book your free 30-minute consultation today and let’s build your clear path to financial freedom together.
Free resources
Expert guides and articles to help you understand and improve your financial health.
How Credit Scores Are Calculated
Learn the five key factors that make up your FICO score and what you can do to improve each one.
The Five FICO Factors
Your FICO score is built from five weighted categories. Understanding each one shows you exactly where to focus your effort.
- Payment History (35%) Whether you have paid past credit accounts on time. This is the single biggest factor in your score.
- Amounts Owed (30%) Your credit utilization ratio, or how much of your available credit you are currently using.
- Length of Credit History (15%) How long your accounts have been open, including the age of your oldest and newest account.
- Credit Mix (10%) A blend of revolving credit like cards and installment loans like auto or personal loans.
- New Credit (10%) How many accounts you have recently opened and how many hard inquiries appear on your report.
What Actually Moves the Needle
Paying every bill on time and keeping utilization under 30% of your available limit typically has the fastest, most measurable impact on your score. Closing old accounts can hurt your length of history factor, so it often pays to keep older cards open even if you rarely use them.
Your score recalculates every time your credit report updates, so consistent habits compound over time rather than producing an overnight change.
Building Business Credit from Scratch
A step-by-step guide to establishing a strong EIN credit profile and accessing business funding.
Separate Your Business From Day One
Business credit is tracked under your EIN, completely separate from your personal Social Security Number. Building it correctly protects your personal credit and unlocks funding your business can qualify for on its own.
The Core Steps
- Form a legal business entity, such as an LLC or corporation, and obtain your EIN from the IRS.
- Open a dedicated business bank account and keep your business phone and address consistent everywhere it is listed.
- Register with Dun & Bradstreet to receive a D-U-N-S Number, the foundation of your business credit file.
- Open two to three net-30 vendor accounts that report payment activity to the business credit bureaus.
- Pay every vendor account early or on time. This is what builds your Paydex score.
Moving Up the Tiers
As your vendor trade lines season, you can progress into revolving business credit lines and eventually larger funding sources. Dun & Bradstreet, Experian Business, and Equifax Business each track this activity independently, so staying consistent across all three matters.
How to Dispute Errors on Your Credit Report
Understand your rights under the FCRA and how to effectively challenge negative items.
Know Your Rights
Under the Fair Credit Reporting Act, you have the legal right to dispute any information on your credit report that is inaccurate, incomplete, or unverifiable, and you can do it yourself, free of charge, directly with the credit bureaus.
The Dispute Process
- Pull your full report from all three bureaus, Equifax, Experian, and TransUnion, and review every line.
- Identify specific items that are wrong, outdated, or that you do not recognize.
- Submit a written dispute to each bureau reporting the error, citing the specific item and why it is inaccurate.
- Bureaus generally have 30 days to investigate and respond once a dispute is received.
- If an item cannot be verified by the furnisher, it must be corrected or removed.
Keep Records
Save copies of everything you send and every response you receive. If a dispute is denied and you still believe it is inaccurate, you can add a statement of dispute to your file or escalate with supporting documentation.
Service FAQ
Most clients see their first results within 30–45 days. Full credit repair can take 3–6 months depending on the complexity of your credit profile and how many items need to be disputed.
Absolutely. The Fair Credit Reporting Act (FCRA) gives consumers the legal right to dispute inaccurate or unverifiable items on their credit report. We operate fully within the law and comply with the Credit Repair Organizations Act (CROA).
We can dispute and often remove late payments, collections, charge-offs, repossessions, bankruptcies, medical bills, hard inquiries, student loan issues, evictions, judgements, and more, as long as they are inaccurate, unverifiable, or violate your rights.
Basic is ideal for clients with a few minor negatives. Gold is best for those with multiple collections, charge-offs, or repossessions. Platinum is designed for complex situations including student loans, child support, and extensive negative histories. Not sure? Book a free consultation and we’ll recommend the right fit.
We cannot legally guarantee specific results, as no credit repair company can, but our track record speaks for itself: 98% client satisfaction and millions in negative debt removed. We work through every legal avenue available.
Yes. Business credit is built on your EIN, completely separate from your personal SSN credit. You can start building business credit regardless of your personal credit score, which is exactly why our Business Credit Setup service is so powerful.