Understand why you are taking each step
Learn Jeannette’s reasoning before you act, with plain-language instructions about what to prepare, send, save and review.
Guidance from Jeannette Perez.
Thirty years of experience. A belief in second chances.
Jeannette is the founder of Epic Credit Score Solutions. She created Your Credit Path to share her experience in a way you can follow yourself, at your own pace.
Maybe you were making financial decisions before anyone taught you the rules of credit. Maybe life changed through a job loss, divorce or unexpected expense. Your report is a record, not a judgment about you.
Your hopes for a first home, a car you can count on or the freedom to take a getaway still matter. This is a place to learn, get organized and take one manageable step.
Begin your first chapter →A letter is one step. Learn the process around it.
Your Credit Path combines Jeannette’s approach, built on 30 years of experience, with practical tools for preparing your own disputes and following what happens next. You learn what to do, why it matters and how to keep your records organized.
Use wording that fits your account
Late payments, collections, charge offs and other categories have different starting points. Prepare the matching bureau letter and, where appropriate, a separate company letter.
Keep the three bureaus straight
Record each bureau’s mailing dates and results separately. A deletion from one report does not mean the other two have changed.
Know what to do after the first answer
When eligible, follow the CFPB walkthrough with category-based statement examples, recipient and document guidance, and instructions for reading the company’s response. Identity theft guidance applies only to genuine identity theft.
Build a process you can repeat
Save the outcome, choose your next account and repeat the steps for its category. Protect current payments and build responsible habits while you work on reporting issues.
Learn the method at the right stage
Begin with the free personal information letter. Paid guidance follows your selected situation; later methods have payment and progress requirements explained before enrollment.
You stay in control. Review your facts, customize your letters and send them yourself. Relevant FCRA protections and explanations of Metro 2 reporting concepts support the lessons; citing a law or reporting standard does not guarantee deletion.
Pay for the organized education and tools, not access to a government service. You can obtain reports, dispute errors and use the CFPB and IdentityTheft.gov directly without buying this membership. Results vary.
Click here to see what is free and when paid steps unlock →