Repair your credit, Repair your future
Does your bad credit is holding back?
I'll help you to repair your credit and regain your financial freedom.
No more rejection, no more stress, no more “sorry”.
Reviewed your case and I explained what is wrong and how to fix it, step by step.
Who am I?
Certified consultant in Credit Repair (BCCC and CSCC) and CEO of True Path Financial Services. I am dedicated to helping people with bad credit to recover their financial power, eliminate errors of their reports and re-gain access to the opportunities they deserve.
- A Certified consultant with the credentials BCCC and CSCC recognized at the national level.
- Legal strategies based on the Fair Credit Reporting Act (FCRA).
- Personal support in every step of your process restore financial.
Main Services
Credit repair
Disputamos accounts collections, late payments, errors of balance, queries that do not recognize, and much more. All with proven strategies for upload your score and help you achieve your financial goals.
Personal tutoring 1 to 1
I explain step by step what is wrong on your credit, what options you have and what you can do from today. No terms complicated nor empty promises, only clear solutions and real.
Credit check Express
Detailed consultation of the three bureaus with continuous monitoring, ideal to take control and optimize your credit score from the first day, validating fast results and sustainable.
Funding personal and business
Design strategies of funding both personal and business, and provides access to capital that you can use to expand or to start different business and personal projects.
Why choose True Path Financial Services?
True Path Financial Services: More to repair credit, we transform lives
In True Path Financial Services we work with processes legal, ethical, and personalized that makes a difference, and you open doors to a strong financial future.
- Legal compliance guaranteed: Opaeramos under the FCRA (Fair Credit Reporting Act), the FDCPA (Fair Debt Collection Practices Act) and other federal laws that support and protect your rights as a consumer.
- Disputes professional standard Metro 2®: We use the same format Metro 2® employing bureaus and creditors, ensuring that your disputes are dealt with technical rigor and legal backing.
- Firm action when it is necessary to: If bureaus or creditors do not fulfill their obligations, we climbed directly to the CFPB (Consumer Financial Protection Bureau), defending your rights.
- Access to credit smart: We help you to get cards with 0% interest for up to 12 monthsgiving you immediate liquidity and financial flexibility.
- Funding personal and business: Design strategies of funding for both personal and business, allowing you to access to capital that you can use to expand or initiate various business and personal projects.
- Personalized advice and ethics: Each client receives a single plan, designed with transparency and professionalism. Here, there is no empty promises, just clear strategies and effective.
- Results that create opportunities: Our commitment is to help you to clean and strengthen your credit to achieve approvals, access to better rates and make sure financial stability in the long term.
How we work
Step 1
Detailed analysis of your credit
I review your report Equifax, TransUnion and Experian to identify errors, negative accounts, collections, late payments and queries are not allowed. Evaluate your situation with based on the consumer-protection laws.
Step 2
Disputes custom under the law, and the Metro 2®
I think disputes strategic using the standard Metro 2® and the laws of the FCRA and FDCPA. If the bureaus or creditors do not comply, we climbed your case to the CFPB to enforce your rights.
Step 3
Accompaniment and measurable results
You are guided step by step through the process. Monitoring your progress, explain each answer, and adjust the strategy so that you can improve your score and re-qualify for what you deserve.
Step 4
Access to Funding Smart
Once your credit begins to show improvements, we open the next door: access to capital. We help you apply to cards with 0% interest for up to 12 months, lines of credit, personal and business
Testimonials / success stories
4.9
(50+ Reviews)
Trust us, it means taking the first step towards your financial peace of mind.
Do you feel that your score is closing doors?
Analyzed your case, we will explain to you what is wrong and how to fix it step by step.
Our Success Cases
D. M.
1 month progress
- Score: 538 → 600
- Accounts Elliminadas: 4
- Use Credit To: 17%
Progress estimated total
Y. P.
10 months of progress
- Score: 455 → 596
- Accounts Elliminadas: 3
- Use Credit: 54%
Progress estimated total
J. M.
1 month progress
- Score: 487 → 521
- Accounts Elliminadas: 13
- Use Of Credit: 10%
Progress estimated total
C. M.
3 months progress
- Score: 520 → 629
- Accounts Elliminadas: 3
- Use Of Credit: 10%
Progress estimated total
B. I.
1 month progress
- Score: 664 → 708
- Accounts Elliminadas: 6
- Use Credit: 38%
Progress estimated total
K. H.
1 month progress
- Score: 657 → 743
- Accounts Elliminadas: 18
- Use Of Credit: 10%
Progress estimated total
L. C.
3 months progress
- Score: 612 → 655
- Accounts Elliminadas: 4
- Use Credit To: 43%
Progress estimated total
S. V.
2 months of progress
- Score: 599 → 623
- Accounts Elliminadas: 6
- Use Credit: 12%
Progress estimated total
Frequently Asked Questions
What's included in the free scan of my credit?
We review your credit reports, we identified errors, negative accounts and we will explain to you what is affecting your score. We give clear recommendations on the steps to follow, without commitment.
What type of accounts can be removed legally?
We can help you to dispute collections, late payments, balances erroneous, closed accounts with a balance, queries, unauthorized, and more — always under the legal framework of the FCRA, FDCPA, and the Metro 2®.
How much time does it take to see an improvement in my credit?
Each case is different, but many customers are beginning to see changes in its reports within a period of 30 to 90 days. It all depends on the type of account, the response of the bureaus and the perseverance in the process.
What is the funding and how does it benefit me?
The funding is access to capital through credit cards with 0% interest for up to 12 months, and lines of credit personal or business use. This allows you to fund capital projects, debt consolidation, investing in real estate or expand your business without high interest.
Can I apply to the funding if my credit is not perfect?
Yes, although the best conditions are achieved when your credit is clean and with a highest score. That's why we combine the credit repair with access to funding smart.
What can I use the funding?
Our customers use it to: Buying your first home, Invest in Fix & Flip business like Airbnb, Finance companies, construction or Escalate any personal or business project
Do I need to have knowledge about laws or credit to get started?
No. We explain everything clearly and accompany you step-by-step. Our goal is that you understand what is going on with your credit and make decisions with confidence.
Is this process legal? How do I know that it is safe?
Yes, all of our work is based on federal laws of consumer protection. We do not use shortcuts or methods are dubious. We work with transparency, ethics, and proven strategies.
What do I need to do to get started?
Agenda your free scan and we will guide you from there. You don't have to prepare anything complex — only access to your credit reports and want to improve your situation.
How the funding is only for businesses or also applies on a personal level?
Applies to both. We guide you to obtain capital, both at a personal level and through your LLC or a registered business.
How much capital do I get with this service?
It depends on your credit profile and the strategy used. Our clients typically get from $50,000 to more than $250,000 in credit lines combined.
Learn how to repair your credit all by yourself!
Stop living limited by a bad credit. Learn how to fix it step by step and moves along to a community who supports it.