FAQS.

You have questions, we have answers.

How long will it take to increase my credit score?

Every credit file is different. Once your Credit Specialist has had a chance to review your credit report and create your action plan, we will have a very good idea of how long it will take to achieve the score you desire. If your credit situation requires a little more attention, we’ll let you know up front along with an estimated time frame.

How much is this going to cost me?

We offer several solutions to help fit the cost of credit repair into your budget. We always recommend starting with an action plan for a one-time-fee of $139. As we review your action plan, we’ll help you determine your timeframe and help estimate the total cost before you get started. Our month-to-month contracts never exceed 6 months.

What types of results can I expect?

Every credit report is unique which is why every action plan that we provide is different. Our aim is to help you gain points through the removal of negative items as well as teaching you how to build your score.

Traditional credit repair agencies tend to drag the dispute process out, month after month as they collect your fees. What they don’t provide you with during this process is an education or a game plan on what you can be doing once the negative items are removed in order to continue building your score. Providing this education is our specialty.

What does TruPath Credit have to offer me?

While negative items can be part of the reason for a lower credit score, typically the most points are found in areas that consumers have no idea that they are missing out on. We’ll help clean up your report as much as possible while providing you with an exclusive, interactive action plan that will help you take advantage of points that you never knew were there.

If you’re hoping to qualify for a mortgage loan, be sure to check out our TruPath Float™ program. This program offers up to 6 months of disputing for a one-time fee of $139 (no monthly fees).

How do I know TruPath Credit is different than the last credit repair firm I hired?

Most credit repair firms strictly focus on removing negative items and have business models that intentionally drag out this process in order to retain monthly paying customers for as long as they possibly can. Tru Path Credit was created in order to directly counteract this mentality. Rather than fewer clients for longer, we prefer more clients for less time. Our team’s knowledge, expertise and technology allow us to help you with more than just the negative at a much quicker pace. Our goal is to get you on track as quickly as possible so that you’ll refer friends and family that might need help as well.

Our performance based programs like TruPath Float™ and TruPath Optimize™ ensure that your scores are achieved and goals are met, otherwise, we don’t get compensated. We stand behind the value we provide. We also provide you with an action plan that will allow you to continue improving your scores long after you leave our program.

Where is TruPath Credit located?

TruPath Credit is located in Salt Lake City and St. George, UT, but that doesn’t restrict us from helping people outside of Utah. In fact, regardless of where you’re located, you’ll receive the same service as any of our local clients.

If you’re hoping to qualify for a mortgage loan and are looking for a TruPath™ Preferred Realtor/LO, be sure to see our payment assistance page to find a representative near you.

Is credit repair legal?

Absolutely! Under the Fair Credit Reporting Act (FCRA), consumers are given the right to challenge or dispute inaccurate, unverifiable, misleading and obsolete information on their credit report. By signing up with TruPath Credit, our experts do all the leg work for you at an accelerated pace.

Why is my Credit Karma score different than what my lender pulled?

It is important to understand that there are different scoring models for mortgage loans, auto loans, credit cards, etc. Each of these models weight certain items differently. For example, a late payment might affect your mortgage score differently than it affects your auto score. Any score that you receive for free through an online service is very likely to be different than the score that a potential creditor or loan officer is going to pull.

Does TruPath Credit guarantee the removal of negative items?

TruPath Credit, legally, cannot guarantee the removal of negative items on a credit report. However, we do guarantee that if you put into practice your action plan that we provide and what we teach you, your credit score is sure to improve!

We advise you to proceed with caution with any credit repair service that “guarantees” the removal of negative items as this is an illegal practice.

Can I repair my own credit?

Yes. Under the Fair Credit Reporting Act, you as a consumer have the right to dispute inaccurate, unverifiable, misleading and obsolete information on your credit report. The benefit of working with TruPath Credit is that we are able to perform this service much quicker, more efficiently and with superior results than most consumers could do on their own. We’re simply a solution to make your life easier.

Keep in mind that not everything about your credit score is as intuitive as it may seem. Disputing or even paying off a certain negative account has the potential of hurting, rather than improving your score.

Why should I care about my credit score?

Life can be a real hassle if you don’t have good credit. If you’ve ever mortgaged a house, financed an automobile, or applied for a credit card, you understand the importance of good credit. Building credit history is critical if you ever want anyone to lend you credit. Unless you’re paying for everything with cash, a great credit score will be your most valuable asset. Not to mention, you’ll save hundreds if not thousands of dollars in interest with a better credit score.

What’s considered as a "good" credit score?

As in many scenarios, “good” is a realtive term. Depending on what you’re looking to accomplish with your credit, “good” could be different in certain situations. That being said, credit repair isn’t just for people who have “bad” credit. Whether your score is a 480 or a 720, increasing that score will always save you money. The higher your score is, the more you will save in interest, which can add up quickly.