You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any "credit repair" company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years.
You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The credit bureau must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud.
You have a right to sue a credit repair organization that violates the Credit Repair Organization Act. This law prohibits deceptive practices by credit repair organizations. You have the right to cancel your contract with any credit repair organization for any reason within 3 business days from the date you signed it.
ClearPath Credit Advisory LLC respects your privacy and protects your personal information using bank-grade encryption. Information submitted through our consultation forms is used solely to communicate with you regarding your requested credit report review and financial education services.
We do not sell, rent, or trade your personal contact information or credit report data to third-party marketers or data brokers. You may opt out of email or SMS communications at any time by replying STOP or contacting our support desk.
ClearPath Credit Advisory provides individualized credit report auditing, consumer advocacy, and financial education. Individual outcomes vary depending on each consumer's credit history, creditor responsiveness, and ongoing credit utilization habits.
In compliance with federal regulations, no advance fees are collected prior to the performance of services. Clients may cancel their month-to-month service agreement at any time without penalty.