Credit repair that runs on evidence, not paperwork.
Clearpath is the operating system behind Denovo Credit. Every tradeline is reviewed, every dispute is tied to a statute and a document, every letter goes out certified, and your client watches it happen in their own portal.
One workspace for the whole dispute lifecycle
Most credit repair tools stop at a letter template. Clearpath carries a case from intake to deletion — with the evidence, the mailroom and the client all in the same record.
Case intelligence
Pull a client's file into tradelines, score each item on evidence strength, and let the platform pick the right dispute theory.
- Round tracking per bureau
- Identity, duplicate and furnisher errors
- Confidence before anything is mailed
Mailroom that closes the loop
Split letters by client and bureau, price the postage, print the packet, then attach the tracking number to every dispute it covers.
- Certified, return receipt, priority
- Print-ready labels and letter manifests
- Automatic response deadlines
Client portal, white-labelled
Your brand, your domain, your colours. Clients see scores, dispute status and exactly which document you still need.
- Upload requests with due dates
- Secure messages in one thread
- Progress they can verify, not a promise
Evidence vault
Every document is hashed on upload, typed, and attached to the tradeline it supports — so a letter never cites a file you cannot produce.
- SHA-256 on every file
- Pending review to verified
- Client-uploaded or staff-uploaded
Audit trail by default
Status changes, uploads, mailings and invitations are appended to a hash-chained log. Verify the chain, export it, hand it to an examiner.
- Append-only, per workspace
- Chain verification in one click
- CSV export for counsel
Multi-tenant from day one
Every query is scoped to the signed-in workspace. Run Denovo Credit and a partner agency on one deployment, or brand a new one in an afternoon.
- Per-tenant branding and colours
- Owner, specialist and client roles
- Domain-based tenant routing
From signed agreement to a clean file
Three moves, repeated per round. Nothing is mailed until the evidence supports it.
Review and prepare
Intake captures the client, the reports and the identity documents. Each bureau's tradelines are entered once, scored, and matched to a theory — not my account, duplicate collection, paid by insurance, impermissible inquiry.
Dispute and mail
Clearpath drafts the letter with the relevant FCRA section, the account identifiers and the evidence list. Approve it, and the mailroom groups letters by client and bureau, prints the labels, and records the certified tracking.
Respond and escalate
The response clock is visible on every open dispute. Verified, deleted, no reply — each outcome sets the next round. Escalations to the CFPB or state regulator keep the same case history attached.
A portal that answers “what’s happening with my file?”
The most common support call in this industry is a status check. Clearpath removes it: clients sign in under your brand and see the same case record your team works from.
- Scores and movement, per bureauThree scores, the delta since intake, and utilization — no vanity charts.
- Dispute status in plain languageWhat was sent, when, to which bureau, and what happens next.
- Upload requests with a deadlineOne tap, one file, hashed and attached to the right case.
- One message threadEvery conversation stays with the case instead of in someone's inbox.
Client view · Amara O.
Signed in on your domain, your colours
Built for files that end up in front of a regulator
Credit repair is a document-heavy, regulated business. Clearpath treats every action as evidence: who did it, when, and what changed.
- Tenant isolationEvery query is scoped by workspace on the server, never by a hidden form field.
- Hashed passwords, HTTP-only sessionsscrypt with per-user salts; SameSite cookies; CSRF token on every mutation.
- Strict content security policyNo third-party scripts, no trackers, no external fonts on any page.
- Append-only audit logSHA-256 chained, verifiable in the workspace, exportable as CSV.
- Upload verificationFile signatures checked, 10 MB cap, SHA-256 recorded at intake.
Production deployments should add HTTPS, encrypted backups, uptime monitoring and a documented retention schedule. Clearpath ships the application controls; your hosting layer supplies the rest.
Priced per workspace, not per letter
Every plan includes the mailroom, the evidence vault, the client portal and the audit log. Postage is billed at cost.
One owner, up to 40 active clients. For a practice finding its rhythm.
- Unlimited disputes and letters
- Client portal with your branding
- Document vault and audit trail
- Email support, next business day
Up to 8 seats and 250 active clients. The plan Denovo Credit runs on.
- Everything in Solo
- Owner and specialist roles
- White-label portal and PDFs
- Print-ready labels and manifests
- Priority support and onboarding
Multi-location agencies and franchise groups running several brands.
- Unlimited workspaces and seats
- Domain routing per brand
- Data migration from your current tool
- Named support contact and SLA
Prices in USD. Clearpath is software for credit repair organizations; it does not provide credit repair services, legal advice or a guarantee of results.
The things agencies ask first
Is Clearpath a credit repair company?
Do you guarantee deletions or score increases?
Can our clients see their own file?
Where does the data live?
How do letters and labels get printed?
What about CFPB or state escalations?
See Clearpath on your own caseload
A 30-minute walkthrough: we load three of your accounts, draft the letters, and show you the packet and the client view. No slide deck.