⚡ AI-Powered Credit Repair

Your Path to a
750+ Credit Score

Dispute errors, validate debts, generate legal letters, and rebuild your credit — all in one place, powered by AI.

🔒 Secure & Private ⚖️ Based on FDCPA & FCRA Law ✅ Cancel Anytime
7yr
Max time negatives stay on your report
30
Days bureaus have to respond to disputes
750+
Your target score — we'll help you get there
Everything You Need
Stop letting errors hurt your score
📊
Credit Education Hub
Learn your rights under the FDCPA & FCRA, how scores work, and exactly what steps to take to repair your credit.
Free
✉️
Legal Letter Generator
Generate dispute letters, debt validation letters, cease & desist, pay-for-delete, and 8 more letter types in seconds.
Pro
🗺️
Personalized Action Plans
6 situation-based roadmaps — no credit, bad credit, being sued, identity theft, and more. Step-by-step timelines.
Pro
📋
Dispute Tracker
Log every letter sent, track bureau responses, and get 30-day follow-up reminders automatically.
Pro
🔍
AI Report Analyzer
Upload your credit report and get an instant AI analysis — errors, FCRA violations, projected score improvement, and action steps.
Pro
💬
CreditAI Assistant
Ask anything about credit repair, debt validation, statute of limitations, or your rights — instant expert answers 24/7.
Pro
Simple Process
How CreditPath works
1
Create Your Account
Sign up free in under 60 seconds. No credit card required to get started.
2
Analyze Your Report
Upload your credit report and let our AI find every error, negative item, and FCRA violation.
3
Take Action
Generate dispute letters, follow your action plan, and track every dispute until your score improves.
Simple Pricing
Start free, upgrade when ready
Free
$0/mo
Get started with the basics
  • Dashboard & Score Breakdown
  • Full Credit Education Hub
  • FDCPA & FCRA Rights Guide
  • Letter Generator
  • Action Plans
  • Dispute Tracker
  • AI Report Analyzer
  • CreditAI Chat
Pro
$19.99/mo
Everything you need to repair your credit
  • Everything in Free
  • Letter Generator (8 types)
  • 6 Personalized Action Plans
  • Full Dispute Tracker
  • AI Credit Report Analyzer
  • CreditAI Chat Assistant
  • 30-Day Dispute Reminders
  • Cancel Anytime

⚖️ Educational purposes only — not legal advice. For complex legal situations consult a licensed attorney at naca.net

Forgot your password?
⚡ Upgrade to Pro — Unlock AI chat, unlimited report analysis & dispute tracker sync for $19.99/mo
Current Score
628
↑ +42 pts this month · Fair range
Items Disputed
3
2 pending response · 1 removed ✓
Action Items
5
2 urgent · 3 this week
628
Fair

Your Score Breakdown

Based on FICO scoring model. Each factor below impacts your score differently. Focus on Payment History and Utilization first — they're 65% of your score.

Payment History (35%)
60%
Credit Utilization (30%)
45%
Credit History (15%)
72%
New Credit (10%)
80%
Credit Mix (10%)
40%
Quick Actions
✉️ Generate Letter Dispute errors, validate debts, request goodwill removals
🗺️ My Action Plan Step-by-step roadmap based on your situation
📚 Learn Credit FDCPA rights, dispute process, score factors
📋 Track Disputes Log letters sent, responses, and outcomes
Your Action Checklist
Pull all 3 credit reports from AnnualCreditReport.com Do Now
Review each report for errors, duplicate accounts, wrong DOFD Do Now
Send debt validation letter to third-party collectors Do Now
Send Section 611 dispute letter for each error found This Week
Open a secured credit card (report to all 3 bureaus) This Week
Keep credit utilization below 10% on all cards This Month
Follow up on disputes (bureau has 30 days to respond) This Month
Credit Education Hub

Everything you need to know about credit, your rights, and how to win.

⚖️
Your Legal Rights: FDCPA & FCRA
Learn the federal laws that protect you from abusive collectors and give you power to dispute errors.
Foundational 5 min read
📊
How Your Credit Score Works
FICO vs VantageScore, the 5 factors, and exactly what you can do to move the needle fast.
Essential 4 min read
🗂️
How to Dispute Credit Report Errors
Step-by-step process for disputing inaccurate items with bureaus and furnishers using certified mail.
Action Step 6 min read
🛡️
Debt Validation: Stop Collectors Cold
How to force debt collectors to prove the debt is valid — and what to do when they can't.
Action Step 5 min read
🤝
Settling Debts for Less
How to negotiate pay-for-delete agreements and settle debts for pennies on the dollar — legally.
Strategy 5 min read
🌱
Rebuilding Your Credit from Scratch
Secured cards, credit builder loans, becoming an authorized user — the fastest paths to a better score.
Start Here 5 min read
Letter Generator
AI-Powered Letter Drafting
⚠️ Educational Tool Only These letters are generated for educational purposes based on federal consumer protection laws. Always review before sending. Consider consulting a consumer law attorney for complex situations. Send ALL letters via USPS Certified Mail with Return Receipt.
Debt Validation
Require collector to prove the debt
Section 611 Dispute
Dispute errors with credit bureaus
Cease & Desist
Stop all collector contact
Goodwill Request
Ask creditor to remove late payments
Pay-for-Delete
Pay in exchange for removal
Settlement Offer
Negotiate a reduced payoff
Identity Theft
Block fraudulent accounts
Statute of Limitations
Notify collector debt is time-barred

Debt Validation Letter

Drafting your letter…
Your Action Plan

Pick the situation that describes you best to get a personalized step-by-step roadmap.

🌱
No Credit History
You're starting from zero — no credit cards, no loans, thin file
🔧
Rebuilding Bad Credit
Collections, late payments, charge-offs on your report
📈
Boost Good Credit
Score in fair/good range — want to reach excellent (750+)
⚖️
Being Sued for Debt
Received a summons or lawsuit related to a debt
🔒
Identity Theft
Fraudulent accounts or inquiries appearing on your report
🏠
Preparing for Major Purchase
Home, car loan — need to maximize score quickly
Dispute Tracker
Creditor / Account Bureau Status Date Sent Action
Suggested Questions
🤖

CreditAI Assistant

Expert credit & debt guidance, available 24/7

Online
⚠️ Educational purposes only — not legal advice. Consult an attorney for your specific situation.
Help & Support

Find answers to common questions or send us a message — we typically respond within 24 hours.

📬 Contact Support

Can't find your answer? Send us a message and we'll get back to you within 24 hours.

✅ Message sent!

We've received your message and will reply to your email within 24 hours.

In the meantime, try asking CreditAI — it answers most credit questions instantly.

How can we help?
Send a Message
✅ Message sent! We'll reply within 24 hours.
Credit Report Analyzer
Powered by Claude AI
🔒 Your Privacy Matters Your report is processed directly in your browser and sent securely to Claude AI for analysis. We never store your credit report or personal data. For your safety, consider redacting your full SSN before uploading — last 4 digits are sufficient for most analysis.
📄
Upload Your Credit Report
Drag & drop your report here, or click to browse. Claude AI will analyze it and identify issues, errors, and action steps.
📑 PDF 📝 Text (.txt) 🖼️ Image (JPG/PNG)
Analyzing Your Credit Report…
📄 Reading report contents…
🔍 Identifying negative items…
⚖️ Checking for FCRA violations…
💡 Generating action plan…
✅ Finalizing your results…
Report Analysis Complete
📊 Score Snapshot
🏦 Accounts Found
⚠️ Disputed Items & Issues Found 0
🚀 Score Projection (If Issues Resolved)
🤖 AI Summary & Recommendations