If you want to understand it
Learn with the books
The Understanding Credit series explains your rights under federal law, how bureaus handle disputes, and how to rebuild, with every point tied to the actual statute.
Browse the seriesLas Vegas, Nevada / serving clients nationwide
Your credit report is a legal record. You have rights over what's in it.
The Fair Credit Reporting Act gives you the right to dispute information that's inaccurate, incomplete, or can't be verified. We teach you how that works in plain English, and we prepare the paperwork if you'd rather not do it alone.
Three ways to work with us
Start wherever you're comfortable. Many people read first, then decide whether to handle disputes themselves.
If you want to do it yourself
DIY dispute packages
Answer a guided intake, and we generate dispute letters built around your reports. You review them, sign them, and mail them yourself, with step-by-step mailing instructions.
How DIY worksIf you want it handled
Full-service preparation
Our team reviews your reports with you, prepares your dispute letters, and sends them by certified mail so you have tracking and proof of delivery.
How full service worksHow a credit dispute works
This is the process the law sets out. It's the same whether you do it yourself or we help.
-
Get your reports from all three bureaus
You're entitled to free reports from Equifax, Experian, and TransUnion at AnnualCreditReport.com.
-
Find what's wrong
Go line by line for accounts, balances, dates, and personal details that are inaccurate or incomplete.
-
Put your dispute in writing
A clear letter that identifies each item and explains why it's being disputed. FCRA §611, 15 U.S.C. §1681i
-
Send it by certified mail
Certified mail with a return receipt gives you a dated record of when the bureau received it.
-
The bureau investigates
The bureau generally has 30 days to investigate and must send you the results in writing. Items that can't be verified must be corrected or deleted.
What we won't promise you
Anyone who guarantees a number is breaking federal law. Here's how we work instead.
- No score guarantees.Results depend on what's in your reports and how the bureaus and creditors respond.
- Accurate information stays.No one can legally remove accurate, current, verifiable information. We dispute what's wrong.
- No charges for work not yet done.Federal law prohibits collecting fees for credit repair services before they're performed.
- You can do this for free.You have the right to dispute directly with the bureaus yourself. We'll tell you how.
Start with Understanding Credit
A plain-English guide to the laws that govern your credit report, written so you can read your own report and know what to do about it.
The series continues with credit repair and rebuilding, and includes a diagnostic workbook you can use on your own reports. It's also available as a boxed complete edition.
See all volumes
Local, and in it for the long haul
ClearPath is based in Las Vegas, Nevada, and built on over 25 years in credit services and finance. We'd rather teach you how the system works than keep you dependent on us.