SmartPerson Financial is an integrated credit, capital, and financial advisory program built for professionals ready to scale.
Explore ServicesOne straightforward process, four steps, from your first credit review to real capital access.
Full review across all three bureaus, 24–48 hours.
Disputing what's wrong, building what's next.
Real introductions, real banking partners.
Access to the capital your credit has earned.
Your score isn't just a number, it's what determines the rates, limits, and doors that open for you. Tap a range below to see what it actually means.
Tap a range to see what it means
300–850 FICO® score range
See what each score tier typically qualifies for.
$1 for 7 days of access to your credit reports and VantageScore® 3.0 from all three bureaus.
For general educational purposes only, not a guarantee of approval. Actual lending decisions vary by lender and depend on factors beyond credit score.
Real growth starts with real freedom. Every client moves at their own pace toward more capital, more opportunity, and the flexibility to make their next big move.
Standard Access
ClearPath® Package
A focused six-month program built around accurate reporting, aggressive dispute resolution, and a clear debt paydown roadmap. It's the foundation everything else gets built on.
Correcting inaccurate names, addresses, and personal data across all three bureaus.
Identifying and disputing unauthorized or outdated inquiries weighing down your score.
Bureau and creditor disputes prepared under attorney backed review, never generic templates.
Removing fraudulent accounts opened in your name with documented proof.
A structured plan for reducing revolving balances in the order that moves your score fastest.
Stay enrolled month to month if your file needs continued attention.
Full Access
CapitalPath® 360 Package
Everything in ClearPath, plus your credit leveraged into real capital: expanded limits, real banking relationships, and a funding strategy built for housing, major purchases, and business growth.
Every service above, carried forward as your foundation.
Structured increases to your credit lines and account age to strengthen your profile.
Direct introductions to banking partners who work with growing clients.
The right accounts opened in the right order to maximize approval odds.
Positioning your file for pre-approval before you start house hunting.
Preparing your profile ahead of vehicles, equipment, or other large purchases.
Business funding structured to fit how you actually plan to use it.
Stay enrolled month to month as your capital strategy develops.
The most common things people ask before choosing ClearPath or CapitalPath 360.
ClearPath runs on a focused six-month cycle, with your full credit analysis completed within 24–48 hours of getting started. Every file is different, though, so your exact timeline depends on what's actually in your report.
ClearPath is the foundation: correcting your credit report, resolving disputes, and building a debt paydown strategy. CapitalPath 360 includes everything in ClearPath, plus banking relationship building and access to up to $250,000 in 0% interest funding.
If your credit is already strong, you likely don't need to start with ClearPath. CapitalPath 360 is built for exactly that: leveraging credit you've already earned into real capital, banking relationships, and funding. Use the credit tool above, or book a strategy call directly.
No. Both programs include optional continuity after month six, so you only stay enrolled month to month if your file needs continued attention.
Your score determines more than approval odds, it sets your interest rates, your credit limits, and whether you qualify for the funding tools that actually build wealth. Use the credit tool above to see exactly what each range unlocks.
No program can guarantee a specific funding amount. CapitalPath 360 is built to position you for up to $250,000 in 0% interest funding, but actual approval depends on your credit profile, income, and individual lender requirements.
Legitimate dispute activity itself doesn't damage your score. Every dispute we file goes through legal oversight, so nothing is submitted that could put your file at risk.
Every dispute we file goes through legal oversight before it's submitted, nothing generic, nothing templated. You'll see exactly what's happening with your file at every step, not just a status bar.
Once a dispute is filed, bureaus have up to 30 days to respond, so your first movement typically shows within the first billing cycle. Every file is different, but you'll be updated as changes land.
Pricing depends on your specific credit profile and funding goals, so we walk through exact numbers on your strategy call rather than publish a one-size-fits-all price here.
Takes about 60 seconds. No hard credit pull, no obligation, reviewed by a credit advisor within 24–48 hours.
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