Lenders price your business off a personal credit file you have probably never read line by line, and a business file you may not know exists. ClearPath reviews both, challenges what is inaccurate or unverifiable, and builds the profile underwriters actually want to see.
The intro call is free. Reading your actual credit files is the audit, and that is paid work.
What a first look at a file typically turns up
Illustrative example. Every file is different, and results depend on what the bureaus and furnishers verify.
Most equipment lenders, SBA lenders, and working capital providers pull the owner's personal credit first, then look at the entity. A file with errors on it does not just lower your odds. It raises your rate, shortens your term, and shrinks your approval amount.
Same machine, same revenue, different paperwork — and the gap between rate tiers runs into five figures over a five-year term. The math is right below.
Duplicate collections, accounts that were paid but still report a balance, mixed files from a similar name, and stale public records show up constantly on owner credit reports.
Dun & Bradstreet builds a file on your entity whether you claim it or not, and a thin or wrong D&B profile quietly caps what suppliers and lenders will extend.
A standard amortizing term loan, sixty months, no prepayment. Same capital, same equipment, same business. The only variable is the rate your credit file earned you.
APR · $75,000 · 60 months
APR · $75,000 · 60 months
Extra interest on the same $75,000, for no reason other than how the file read at underwriting. That is $537 more leaving the business every month, for sixty months straight.
Illustration only. Figures are standard amortization on a fixed-rate, fully amortizing 60-month term loan at the rates shown, and are not an offer, a quote, or a prediction of what any lender will approve. Actual rates depend on the lender, the collateral, time in business, revenue, and your full credit profile. We do not originate financing and cannot promise any rate or approval.
The intro call is about how we work: what an audit covers, how the dispute cycle runs, what we can and cannot promise, and which tier fits what you are trying to finance. No charge, no obligation, and no pressure to move forward.
Book My Intro CallThe credit review comes first and is paid up front, because the review is the service. Repair — the monthly dispute work — is optional and billed after each cycle is performed.
A no-charge conversation about how we work and which audit fits what you are financing. No files pulled yet — that is the audit.
All three consumer bureaus pulled and read line by line. You receive a written audit: every item worth challenging, and why.
For subscription clients we prepare and mail dispute and verification letters every 30 days, then track what each bureau and furnisher returns.
Monthly updates on what changed. When the file is ready, you know exactly how to present it to a lender and when to apply.
Everyone starts with a one-time credit review, paid up front. Credit repair — the monthly dispute work — is a separate service, entirely optional, priced from what your audit actually finds, and billed only after each cycle is performed.
One-time, paid up front. Pick the one that matches what you are trying to finance. This is a review of your credit, not repair work.
Once your review is done you can run the strategy yourself or hand it to us. We quote the monthly rate from your actual audit findings, because the work is not the same on every file. Each month is billed after that cycle’s work is performed.
Not sure which audit fits? Book the free intro call and we will walk you through the difference. Diagnosing your actual credit files is the audit itself, which is why it is paid work.
It is a conversation about our services: how an audit works, how the 30-day dispute cycle runs, what we can and cannot do, and which tier fits your situation. We do not pull or diagnose your credit files on that call. Reviewing your actual personal or business credit is the audit itself, and that is paid work. The call is free and there is no obligation.
The audit is typically delivered within a few business days of receiving your reports. Dispute cycles run on a 30-day clock because that is the window bureaus have to investigate. Most subscription clients stay enrolled four to six months, which is enough time for three to five full rounds.
No, and anyone who does is worth walking away from. What we can commit to is a complete review, properly prepared disputes on every item that is inaccurate or unverifiable, and a clear monthly account of what changed. Outcomes depend on what the bureaus and the original furnishers verify.
The Credit Audit covers you personally: all three consumer bureaus pulled and read line by line, with an item-by-item dispute strategy. The Premium Audit adds your business file, D&B plus Experian Business and Equifax Business, and delivers a written cleanup and build plan: which trade lines to add, in what order, and how to get your entity, EIN, and listings reporting consistently.
They are two different services with two different terms. The credit review, meaning the Credit Audit or Premium Audit, is paid up front: the fee covers pulling and reading your files, which is the work itself. Credit repair, the monthly dispute management, runs the other way. Each month is billed after that cycle’s work has been performed, and you can cancel at any time.
From your audit. A file with five disputable items is not the same job as a file with twenty, and charging both the same would mean one of you is overpaying. Once the review is done we know exactly what is on your reports, so we quote a monthly rate against that scope and agree it with you before any dispute work begins. If the scope changes materially during the engagement, we talk about it first.
Not necessarily, but timing matters. Clustered inquiries and new accounts opened mid-process can undercut the work. Part of the strategy is telling you when to hold off and when your file is ready to present.
Tell us a little about your business and what you are trying to finance. We will set up a no-charge call to walk you through how this works and which audit makes sense for you.