⚠ Your Right: You have the right to dispute inaccurate information in your credit report yourself, free of charge, by contacting the credit bureaus directly. You are not required to hire a credit repair organization to do this.

Charlotte, NC · Registered LLC · CROA Compliant

Your Credit Score
Doesn't Define You —
But It's Time to Change It.

TruePath Credit Solutions helps everyday people repair their credit, understand their rights, and build a stronger financial future — ethically, transparently, and affordably.

Book Your FREE Discovery Call See How It Works
No Long-Term Lock-In
Education Included
Results in 30–90 Days
CROA Compliant
★ Registered LLC — NC
✔ CROA Compliant
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✔ Results in 30–90 Days
✔ Credit Education Included
|
✔ Ethical. Transparent. Real.
79%
of credit reports contain at least one error — FTC Study
$200K+
lifetime cost of poor credit in extra interest paid
40–120
point score improvement clients see in 90 days
1 in 5
Americans have a significant error on their credit report

Sound Familiar?

Your Credit Score Is Costing You More Than You Realize

You're not alone — and it's not your fault. Here's what our clients were dealing with before they found TruePath:

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Denied for a home, car, or apartment — even though you work hard and pay your bills on time.
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Paying sky-high interest rates on everything because lenders see your score, not your character.
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Old errors and collections dragging your score down — items that may not even be accurate.
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Tried fixing it yourself and got nowhere — the dispute process is confusing by design.
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Worried about being scammed by companies that promise the impossible and disappear with your money.
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No one explains the process — you just write a check and hope something changes.

If any of this sounds like your story, you're exactly who TruePath was built for. We do this the right way — ethically, transparently, and with real education so you never end up here again.

The Process

Three Steps. Ninety Days. Real Results.

We keep it simple, transparent, and effective — so you always know exactly where things stand.

01

Free Discovery Call

We listen first. In a free 20-minute call we learn your situation, explain our process, and tell you exactly what we can do — no pressure, no pitch.

02

Analysis & Action Plan

We pull your reports from all 3 bureaus, identify every item that can be challenged, and build your personalized 90-day road map.

03

Dispute, Educate & Protect

We submit professional disputes monthly, teach you the habits that keep your score climbing, and monitor your credit so you never lose your progress.

See the Full Process →

The Education Difference

We Don't Just Repair Your Credit. We Teach You to Keep It.

Most credit repair companies dispute items and send you a bill. TruePath does more. Every step of your 90-day journey includes education — because we believe you deserve to understand your own financial life, not just benefit from ours.

  • ✔ Understand what's on your credit report and why it matters
  • ✔ Learn the credit habits that keep your score moving up
  • ✔ Know your rights as a consumer under federal law
  • ✔ Understand the dispute process — so you're never in the dark
  • ✔ Build behaviors that protect your score long after your program ends
ℹ You have the right to dispute inaccurate information in your credit report yourself at no charge. TruePath's value is in professional expertise, proven process, and education — not in doing something you couldn't legally do yourself.

Where Our Clients Go

300–579 (Poor)Starting Point
580–669 (Fair)30 Days
670–739 (Good)60 Days
740–850 (Excellent)90 Days ★

Results vary based on individual credit profile. Illustrative of typical client journey.

Not Optional. Required.

Credit Monitoring Is Part of Your Program

Repairing your credit is just the beginning. Without ongoing monitoring, new errors, identity theft, or unexpected changes can drag your score back down — often without you knowing until it's too late.

That's why TruePath includes credit monitoring as a required part of every program. You'll receive real-time alerts when anything changes on your report, giving us the ability to respond quickly and keep your progress protected.

  • ✔Real-time alerts when your report changes
  • ✔Identity theft detection and alerts
  • ✔Ongoing visibility into your 3-bureau reports
  • ✔Protect the gains you've worked to build
$19.95
/month
Credit Monitoring

Included in your monthly program. Not an add-on — a requirement. Because protecting your progress is as important as making it.

Simple, Honest Pricing

One Plan. Everything You Need. Nothing You Don't.

We believe in transparent pricing. No tiers, no upsells, no surprises — just one clear plan that covers everything.

The TruePath Program

Complete Credit Repair + Monitoring

Everything included. Professional disputes, education, and credit monitoring in one program.

First Work Fee One-time, due at enrollment. Covers your initial analysis and first round of disputes.
$129
Monthly Program Fee Includes professional disputes + credit monitoring. Starts after first work fee.
$99/mo
Credit Monitoring Required. Included in your monthly fee. Protects your progress 24/7.
$19.95/mo
Minimum Commitment 90 days gives us the time to deliver real, lasting results.
90 Days
  • Professional disputes to all 3 credit bureaus
  • Personalized 90-day action plan
  • Credit education at every step
  • 24/7 credit monitoring included
  • Monthly progress reports
  • Access to your Client Portal
  • No long-term lock-in after 90 days
Disclaimer: You have the right to dispute inaccurate information in your credit report yourself, free of charge, by contacting the credit bureaus directly. Credit repair results vary based on individual credit profiles. TruePath Credit Solutions does not guarantee specific score improvements. We are CROA compliant and operate in accordance with all applicable federal and state laws.

"Your score doesn't define you — but it's time to change it."

Start with a free 20-minute discovery call. No obligation. No pressure. Just answers and a plan.

Book My Free Discovery Call

Or email us: info@truepathcredit.com

The Process

How TruePath Works

A simple, transparent, 90-day journey — with education at every step and monitoring that protects your progress long after you graduate.

ℹ Know Your Rights: You have the right to dispute inaccurate information in your credit report yourself, free of charge. TruePath provides professional expertise, a proven system, and education — helping you achieve results more efficiently and with confidence.
1

Free Discovery Call (Day 1)

Your journey starts with a conversation. In your free 20-minute discovery call, we ask eight key questions about your situation, your goals, and what you've already tried. We explain our entire process, answer every question, and tell you honestly what we can and cannot do for you. No pitch. No pressure. Just truth.

Book Your Call →
2

Enrollment & Agreement (Day 2–3)

You review and sign your service agreement — a legally compliant document that includes your CROA-required rights, a full description of our services, and your 3-day right to cancel at no charge. We collect your first work fee of $129 only after you have had a chance to review everything.

3

Credit Report Pull & Analysis (Week 1)

We pull your full credit reports from Equifax, TransUnion, and Experian. Our team analyzes every line — identifying errors, outdated information, questionable collections, duplicate accounts, and any item that can be legally challenged under the Fair Credit Reporting Act (FCRA).

4

Your Personalized Action Plan

We deliver a customized 90-day action plan that maps out every item we'll dispute, the strategy we'll use, and what you can do on your side to accelerate results. This plan is yours to keep — part of the education we believe every client deserves.

5

Round 1 Disputes Filed (Week 2)

We draft and submit professional dispute letters to all three credit bureaus and any relevant creditors. Bureaus are required by law to investigate within 30 days. We track every response and keep you informed.

6

Results & Round 2 (Day 30–60)

We analyze the bureau responses. Items removed, updated, or verified are documented in your progress report. We file additional rounds of disputes for items still being challenged, using updated strategies based on what we learned from Round 1.

7

Repeat & Education (Day 60–90)

Throughout your 90-day program, you receive credit education — how to use credit wisely, what moves the needle on your score, and how to maintain what you've built. We're not just fixing your credit; we're making sure you never end up in the same place again.

8

Graduation & Ongoing Protection

At the end of your program, you receive a final progress report and a graduation summary. Credit monitoring continues to protect your score. Quarterly check-ins are available, and our alumni referral program rewards you for sharing TruePath with people you care about.

Ready to Start Your True Path?

Book Your Free Discovery Call

Our Story

About TruePath Credit Solutions

We were founded on a simple principle: the credit repair industry needs more honesty, more education, and more people who actually care about the client — not just the check.

Why "True Path"?

The Name Means Something

The credit repair industry has a serious problem with trust — and for good reason. Too many companies have taken advantage of people at their most vulnerable, charging fees for promises they couldn't keep and leaving clients no better off than when they started.

TruePath was named deliberately. The "true path" means doing this the right way — with transparency, real education, legal compliance, and a genuine commitment to each client's long-term success. Not just their credit score. Their life.

We are CROA compliant. We don't promise miracles. We promise honesty, hard work, and a process that actually works.

ℹ You can dispute inaccurate credit items yourself for free. We're here because the process is complex, time-consuming, and most people get better results with professional guidance — but we'll always tell you the truth about what we can and cannot do.
SM

Sarah Mitchell

Founder & Co-Owner

Sarah founded TruePath Credit Solutions after personal experience with the deceptive practices that plague the credit repair industry. She built TruePath to be everything those companies were not — honest, educational, and genuinely invested in each client's outcome. Sarah leads credit repair operations, dispute management, and client file management.

Our Commitment to You

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Full Transparency

You'll always know what we're doing, why we're doing it, and what the results were. No black boxes.

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Real Education

You'll leave TruePath understanding your own credit — not just benefiting from ours.

⚖️

Legal Compliance

Every action we take is within the bounds of CROA, FCRA, and applicable state law.

❤️

Client-First Always

We measure our success by your results — not by the number of clients we sign.

Based in Charlotte, NC

Local. Personal. Accessible.

We're a Charlotte, NC based business serving clients across North Carolina and beyond. When you work with TruePath, you're working with real people who live in your community and care about your success.

Start With a Free Conversation

Got Questions?

Frequently Asked Questions

We believe informed clients make better decisions. Here are honest answers to the questions we hear most often.

ℹ Important: You have the right to dispute inaccurate information in your credit report yourself, free of charge. TruePath is here to make that process more effective — not to do something you don't have the legal right to do yourself.
How long does it take to see results?▾
Most clients begin seeing changes on their credit reports within 30–45 days of their first round of disputes. Meaningful score improvement typically occurs over 60–90 days. Results vary depending on your starting point, the types of negative items on your report, and how creditors and bureaus respond to disputes. We'll give you an honest assessment of your situation during your free discovery call.
Can I dispute items on my credit report myself?▾
Yes — absolutely. You have the legal right to dispute inaccurate information on your credit report for free by contacting the credit bureaus directly (Equifax, TransUnion, Experian). You are not required to hire a credit repair organization. TruePath's value is in our professional expertise, proven dispute strategies, education, and the time and stress we save you — not in access to a process that isn't already available to you.
What types of negative items can be disputed?▾
We can dispute items that are inaccurate, outdated, unverifiable, or reported in violation of the law. This includes: incorrect personal information, late payments reported in error, duplicate accounts, collections with inaccurate information, charge-offs that are past the reporting period (generally 7 years), and accounts that don't belong to you. We cannot legally remove accurate, verifiable negative information — and any company that tells you otherwise is misleading you.
Is credit repair legal?▾
Yes. Credit repair is a legal, federally regulated industry governed by the Credit Repair Organizations Act (CROA). TruePath is fully compliant with CROA and the Fair Credit Reporting Act (FCRA). We operate transparently, maintain written contracts, honor your 3-day right to cancel, and never charge before completing agreed-upon services.
Do you guarantee specific results or a specific credit score?▾
No — and you should be skeptical of any company that does. Credit repair results depend on your individual credit profile, how creditors and bureaus respond to disputes, and factors outside our control. What we do guarantee is that we will work professionally and diligently on your behalf, be honest with you at every step, and educate you so you understand your progress. We have an excellent track record of meaningful improvement for our clients.
What is credit monitoring and why is it required?▾
Credit monitoring is a service that tracks your credit reports in real time and alerts you when anything changes — a new account, a new inquiry, a change in a balance, or a new negative item. It's required in the TruePath program because it gives us the ability to respond quickly to any changes that could affect your progress, and it protects you from identity theft and errors that could undo your hard work. Credit monitoring is $19.95/month and is included as part of your program.
How is TruePath different from doing it myself?▾
Great question — and one we encourage you to ask. The difference is expertise, time, and strategy. Professional dispute letters written by experienced credit specialists tend to get better responses than consumer-written letters. We know which legal grounds to cite, how to respond when bureaus verify disputed items, and how to follow up effectively. We also save you dozens of hours and guide you through a process that can be genuinely confusing. And we teach you — so you understand what's happening and can protect your credit going forward.
How does pricing work? Are there any hidden fees?▾
TruePath has one simple plan: a $129 first work fee at enrollment, then $99/month for professional disputes and $19.95/month for credit monitoring. There are no hidden fees, no setup fees beyond the first work fee, and no upsells. The 90-day minimum means we have time to deliver real results — after that, you can continue month-to-month or graduate from the program.
What do I need to get started?▾
Start with a free discovery call — that's all. During the call we'll learn about your situation and explain exactly what's involved. If you decide to move forward, you'll need to sign a service agreement and provide basic identification. We handle the credit report pulling through our professional platform, so you don't need to bring anything special to your first call.
Will credit repair hurt my credit score?▾
Disputing items on your credit report does not hurt your score. In fact, having inaccurate or unverifiable negative items removed typically improves it. We do not recommend opening new credit accounts or making major financial moves during your program without consulting with us first, as those decisions can impact your score during the dispute process.
What happens after my 90-day program ends?▾
At the end of your program you receive a final progress report and graduation summary. You can continue month-to-month if there are still items being worked on, or graduate from the program. Credit monitoring continues to protect your score. We also offer quarterly check-ins for graduates, and our alumni referral program gives you $50 for every person you refer who enrolls — because the best compliment you can give us is sharing TruePath with someone you care about.

Still Have Questions?

Book a free discovery call. We'll answer every question — honestly, with no obligation to enroll.

Book My Free Call

Or email: info@truepathcredit.com

Legal & Compliance

Your Rights & Our Obligations

TruePath Credit Solutions operates in full compliance with all federal laws governing credit repair. We believe informed consumers are protected consumers — so we publish this information openly.

✔ TruePath Compliance Commitment: We are a registered LLC in North Carolina. We operate in full compliance with the Credit Repair Organizations Act (CROA), the Fair Credit Reporting Act (FCRA), and the Fair Debt Collection Practices Act (FDCPA). We maintain written contracts, honor all mandated consumer rights, and never charge before completing agreed-upon services.
CROA

Credit Repair Organizations Act (15 U.S.C. §§ 1679–1679j)

The CROA is the primary federal law governing credit repair companies. It was enacted to protect consumers from deceptive and abusive practices in the credit repair industry. Key provisions include:

  • Right to Dispute Yourself: You have the right to dispute inaccurate information on your credit report yourself, free of charge. No credit repair organization can perform any service on your behalf that you could not legally do yourself.
  • Written Contract Required: All services must be described in a written contract before any services begin. You must receive a copy of this contract.
  • 3-Day Right to Cancel: You have the right to cancel your service agreement within three business days of signing, without any penalty or obligation, and receive a full refund of any payment made.
  • No Advance Fees: A credit repair organization may not charge or receive payment before the agreed-upon services are fully performed.
  • No False Representations: It is illegal for a credit repair company to make false or misleading representations, including guaranteeing specific results or suggesting they can remove accurate information.
  • Mandatory Disclosure: Before signing a contract, consumers must receive a written statement of their rights under CROA.
FCRA

Fair Credit Reporting Act (15 U.S.C. § 1681)

The FCRA regulates the collection, dissemination, and use of consumer credit information. It is the legal foundation for the dispute process and the basis for most legitimate credit repair activity. Key consumer rights under FCRA:

  • Right to Access Your Report: You are entitled to a free copy of your credit report from each of the three major bureaus once every 12 months at AnnualCreditReport.com.
  • Right to Dispute Inaccurate Information: You may dispute any information you believe is inaccurate or incomplete. Bureaus must investigate within 30 days.
  • Right to Verification: If a disputed item cannot be verified, it must be removed from your credit report.
  • Reporting Time Limits: Most negative items can only remain on your report for 7 years. Bankruptcies may remain for up to 10 years.
  • Right to Notification: You must be notified if information in your credit file is used against you (e.g., denial of credit, housing, or employment).
  • Right to Know What's in Your File: You have the right to know what information the credit bureaus have on file about you.
FDCPA

Fair Debt Collection Practices Act (15 U.S.C. § 1692)

The FDCPA protects consumers from abusive, unfair, or deceptive practices by third-party debt collectors. While TruePath is not a debt collector, understanding this law helps our clients navigate their full financial picture:

  • Debt Validation Rights: Within 30 days of first contact by a collector, you may request written verification of the debt. The collector must stop collection activity until they provide it.
  • Prohibition on Harassment: Collectors cannot use abusive, threatening, or obscene language, or call at unreasonable hours (before 8am or after 9pm).
  • Right to Cease Communication: You can send a written request asking a collector to stop contacting you. They must comply, with limited exceptions.
  • No False Statements: Collectors cannot misrepresent the amount owed, pretend to be attorneys, or threaten legal action they don't intend to take.
  • Statute of Limitations: Debt collectors are limited in how long they can sue to collect a debt. This varies by state and type of debt — know your rights before paying old debts.

Your Consumer Rights — Summary

  • ✔ You can dispute inaccurate credit information yourself, for free
  • ✔ You have 3 business days to cancel any credit repair contract without penalty
  • ✔ No credit repair company can legally charge you before services are performed
  • ✔ You have the right to a free annual credit report from all three bureaus
  • ✔ Bureaus must investigate your disputes within 30 days
  • ✔ Unverifiable items must be removed from your credit report

CROA Mandatory Consumer Disclosure

As required by the Credit Repair Organizations Act, TruePath Credit Solutions provides the following disclosure to all prospective clients:

You have a right to dispute inaccurate information in your credit report without the help of a credit repair organization. You may contact a credit reporting agency directly to dispute the accuracy or completeness of any information contained in a credit report and receive a free copy of your credit report. Any credit repair organization that promises to remove accurate and timely negative information from your credit report or create a "new" credit identity for you is breaking the law.

You have a right to cancel your contract with any credit repair organization for any reason within 3 business days from the date you signed it. TruePath Credit Solutions fully supports and honors this right.

Questions about our compliance practices? We're happy to answer.

Email Us: info@truepathcredit.com

Get In Touch

Let's Start the Conversation

Your first call is always free. No obligation, no pressure — just an honest conversation about your credit and your goals.

Book Your Free Discovery Call

20 minutes. No pressure. Walk away with clarity on your situation and a plan — whether you work with us or not.

📅 Schedule on Calendly →
ℹ You have the right to dispute inaccurate credit information yourself at no charge. Our discovery call is an opportunity to learn what professional help can add — not a sales pitch.

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Location
Charlotte, NC (serving clients nationwide)
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Within 24 business hours
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