Fix my credit
Any score lower than 650* is generally considered "bad"
- Poor
- Fair
- Good
- Very Good
- Excellent
300850
Bad credit could keep you from:
Approvals
Getting approved for a mortgage
Low Rates
Securing good rates on a auto loan
Top credit cards
Getting a low-interest credit card
Loans
Borrowing money from a prime lender
Find out where you stand
What affects my credit score?
Payment history
Paying your bills on time is the biggest in your score. Even one mistake could cost over 100 points.
Credit utilization
This is how much debt you have based on your credit limit. You generally don’t want to go over 30%.
Credit length
The longer your average age of credit, the better it is. You should not close old accounts for this reason.
Hard inquires
The fewer hard credit inquiries you have, the better. Soft inquiries will not affect your credit score.
Credit mix
It’s best to have many different types of credit accounts. Think things like a car loan, credit cards, mortgage etc.
Payment history | 35 | 35% |
Credit utilization | 30 | 30% |
Credit length | 15 | 15% |
Hard inquires | 10 | 10% |
Credit mix | 10 | 10% |
See what may be impacting the different areas of your credit
How credit repair works
Our proven process could help you work to repair your credit
Analyze
We work with you to review your credit reports for questionable negative items, including late payments, collections and more.
Challenge and Dispute
We work with your creditors and the credit bureaus to verify your questionable negative items as accurate, fair and substantiated.
Monitor
We continue to watch your credit, addressing additional issues as they arise so that you can stay on track and reach your credit goals.
How long does it take?
Past members saw a
average increase on their score in just 2 months
Online reviews from our members
Quick, reliable and inexpensive service. I learned a lot about credit. This has helped me purchase a new vehicle with low rates.
DrReba R.
My credit score has reached an all-time high since I first applied. All my questionable negative items have been removed and I’m able to get the things I need in life.
Devon T.ClearPathCredit.co has had 418 customers sign up with their services since 2021
How much does it cost?
A service for all budgets
Aggressive
Recommended for those who have a lot of negative items on their credit report
Moderate
Recommended for those who have a moderate amount of negative items
Basic
Recommended for those who have a handful of negative items
My experience has been extremely excellent every time I call. I always get professional people with a wonderful attitude who truly want to help me. Thank you ClearPathCredit.co
Yvonne S. New York | August 2021