Simple, Transparent & CROA-Compliant Pricing

Under the federal Credit Repair Organizations Act (CROA) and Telemarketing Sales Rule, credit repair organizations may not charge or receive fees until the agreed-upon services have been performed. Your initial consultation is free, and monthly billing occurs in arrears after work is completed.

No. Accurate, current, and verifiable information cannot be legally removed before its statutory reporting period expires. However, if an item is inaccurate, incomplete, outdated, or cannot be verified by the data furnisher under the FCRA, the credit bureau is required by law to modify or delete it.

Yes. Every consumer has the legal right to obtain free annual credit reports at AnnualCreditReport.com and dispute inaccurate information directly with Experian, Equifax, and TransUnion at no cost. Clients choose ClearPath Advisory for professional time savings, line-by-line auditing expertise, and ongoing credit coaching.