The Approval Path · Credit Consultation
Rebuild your credit.
Reclaim your future.
Professional credit consultation that disputes inaccuracies, addresses negative items, and rebuilds your standing across all three bureaus. Defined timeline, transparent pricing, money-back if we don't deliver progress.
Client dashboard
What you'll see during your engagement
—
Disputes filed
—
Round
3
Bureaus
Sample data shown for illustration. Individual results vary based on your unique credit history. The Approval Path does not guarantee specific score increases or removal of any item.
Capabilities
What's included.
Every plan covers the full scope of credit consultation work. Tier differences are about timeline, depth, and access to a dedicated advisor.
- 01
Credit report analysis
Comprehensive review across all three bureaus to identify errors and disputable items.
- 02
Dispute management
Professionally drafted dispute letters sent to creditors and bureaus on your behalf.
- 03
Score optimization
Guidance on utilization, payment history, and credit mix so the gains stick.
- 04
Personal advisor
A dedicated specialist walks you through every step of the process.
- 05
Negative item removal
Targeted work on late payments, collections, charge-offs, and inaccuracies.
- 06
Progress dashboard
Real-time view of dispute status and score movement.
Process
How it works.
A predictable, defined process. No surprises, no upsells.
- 01
Sign up & analysis
Create your account and we pull credit reports from all three bureaus for a complete review.
- 02
Identify issues
Our specialists flag errors, inaccuracies, and disputable negative items.
- 03
Dispute & challenge
We send compliant dispute letters to creditors and bureaus following established protocols.
- 04
Watch the score move
Track progress in your dashboard as items are removed and your standing improves.
Plans
Pick a path.
One-time pricing. No subscriptions. Every plan includes a 90-day money-back refund policy.
1 Bureau · 8–10 weeks
Per Bureau
Targeted work on one bureau where the issue lives.
- Single bureau coverage
- Compliant dispute letters
- Progress tracking
- Email support
- Credit report analysis
What you'll receive ↓
- Written analysis of one credit report
- Compliant dispute letters drafted under FCRA §611
- Certified-mail delivery to the bureau
- Two rounds of disputes included
- 30-day investigation tracking per round
- Email support during your engagement
- 90-day money-back refund framework
All 3 Bureaus · 12–14 weeks
Standard
Full coverage across Equifax, Experian, and TransUnion.
- All three bureaus covered
- Compliant dispute management
- Monthly progress reports
- Priority email support
- Personalized improvement guidance
What you'll receive ↓
- Initial 20-minute consultation by phone or video
- Written analysis of your three credit reports
- Identification of disputable items (inaccurate, outdated, unverifiable)
- Compliant dispute letters drafted under FCRA §611
- Certified-mail delivery to bureaus and furnishers as needed
- 30-day investigation tracking per round
- Status updates on every change to your case
- 90-day money-back refund framework
- Up to three rounds of disputes
- Monthly written progress reports
- Priority email support
- Personalized credit-improvement guidance
All 3 Bureaus · 8–10 weeks
Premium
Faster cadence with a dedicated advisor.
- All three bureaus covered
- Faster review cadence
- Dedicated credit advisor
- Weekly progress updates
- Phone & email support
- Documented dispute strategy per item
What you'll receive ↓
- Initial 20-minute consultation by phone or video
- Written analysis of your three credit reports
- Identification of disputable items (inaccurate, outdated, unverifiable)
- Compliant dispute letters drafted under FCRA §611
- Certified-mail delivery to bureaus and furnishers as needed
- 30-day investigation tracking per round
- Status updates on every change to your case
- 90-day money-back refund framework
- Up to four rounds of disputes
- Weekly progress updates
- Dedicated credit advisor for your case
- Phone and email support
- Documented dispute strategy per item
- Method-of-verification follow-up letters when bureaus stall
All 3 Bureaus · 4–6 weeks
Express
Compressed timeline with bi-weekly consultations.
- Compressed dispute timeline
- Personal credit specialist
- Bi-weekly consultations
- Priority support
- Detailed item-by-item review
- Custom action plan
What you'll receive ↓
- Initial 20-minute consultation by phone or video
- Written analysis of your three credit reports
- Identification of disputable items (inaccurate, outdated, unverifiable)
- Compliant dispute letters drafted under FCRA §611
- Certified-mail delivery to bureaus and furnishers as needed
- 30-day investigation tracking per round
- Status updates on every change to your case
- 90-day money-back refund framework
- Compressed cadence — disputes filed within 5 business days of intake
- Bi-weekly 30-minute consultations during the engagement
- Personal credit specialist assigned to your case
- Priority email and phone support
- Detailed item-by-item dispute strategy
- Custom 90-day credit-improvement action plan
- Method-of-verification follow-up letters
All 3 Bureaus · 30 days or less
Elite VIP
White-glove engagement with on-demand consultations.
- Compressed cadence
- VIP concierge service
- On-demand consultations
- Direct phone line
- Furnisher-direct verification letters
- White-glove handling
What you'll receive ↓
- Initial 20-minute consultation by phone or video
- Written analysis of your three credit reports
- Identification of disputable items (inaccurate, outdated, unverifiable)
- Compliant dispute letters drafted under FCRA §611
- Certified-mail delivery to bureaus and furnishers as needed
- 30-day investigation tracking per round
- Status updates on every change to your case
- 90-day money-back refund framework
- Concierge handling — your specialist drafts everything by hand
- On-demand consultation calls during the engagement
- Direct phone line for same-day questions
- Furnisher-direct verification letters in addition to bureau disputes
- Round-by-round outcome reports
- Post-engagement credit-maintenance plan
Pricing reflects a one-time professional service fee. Per the Credit Repair Organizations Act, you may cancel any contract for credit repair within three business days from signing without penalty.
Disclosures
No outcome guarantees.The Approval Path does not guarantee specific credit-score increases or the removal of any particular item from your credit report. Results depend on your individual credit history and the responses of credit bureaus and creditors.
Your rights under the CROA.You have the right to dispute inaccurate information in your credit report yourself, free of charge, and to obtain a free copy of your credit report from each of the three nationwide consumer reporting agencies once every 12 months at annualcreditreport.com.
Cancellation rights.You may cancel any contract for credit repair services within three business days of signing without penalty. Cancellation instructions are provided in your service agreement. Our 90-day money-back refund policy is in addition to your statutory rights.
Accessibility.We design The Approval Path to meet WCAG 2.1 AA standards. If you encounter an accessibility barrier, contact us at the address in the footer and we will work to remediate it.
Ready to transform
your credit?
Free 20-minute consultation. No upfront fees. 90-day money-back refund policy. Cancel anytime.