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.
No charge for the consultation. Audits are billed only after they are delivered.
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.
The gap between an A-tier and B-tier file on a $150,000 equipment note can run into five figures over the term. Same machine, same revenue, different paperwork.
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.
Before you spend anything, we pull and walk through your Dun & Bradstreet business credit report with you. Most owners have never seen theirs. It is the fastest way to find out whether an audit is worth your money.
Book My ConsultationNothing is billed until the audit is complete and in your hands. You see the findings and the strategy before you decide whether to continue.
Free call. We pull your Dun & Bradstreet business report, review it with you, and tell you whether a full audit is worth doing.
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.
Every audit is completed and delivered before you are invoiced. Subscriptions are month to month and you can cancel at any time.
Not sure which fits? Start with the free consultation and D&B review. We will tell you honestly if an audit is worth your money.
Credit repair has a reputation problem, most of it earned. Here is the honest scope of the work.
We pull your Dun & Bradstreet business credit report, go through it with you on a call, and flag what is missing, wrong, or unclaimed. We also talk through what you are seeing on your personal file and what lenders have told you. You leave with a straight answer on whether a paid audit is worth doing. There is no charge and 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 consultation is a read of your D&B file so you know where you stand. The Premium Audit pulls all three business bureaus, 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.
For audits, after the work is finished and the report is in your hands. Never before. The monthly subscription bills on a recurring cycle for the work performed in that cycle, and you can cancel at any time.
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.
Yes. Everything we do, you have the legal right to do for free. The audit tier exists partly for that reason: some clients take the report and run the disputes themselves. Clients choose the subscription because the 30-day cadence, letter preparation, and response tracking are tedious and easy to let slip.
Tell us a little about your business and what you are trying to finance. Your consultation includes a Dun & Bradstreet business credit report review at no charge.