Fix the credit. Unlock and leverage your capital. Enjoy your new Fresh Path.
We design the plan, execute it, and hand you a whole new Fresh Path.
Watch first — 2 minutes
A short walkthrough of how the process works and what to expect before you book.
The roadblocks
You already know what a "no" costs you.
The house you lost to a stronger offer. The vehicle at 22% instead of 6%. The contract you couldn't take because the line of credit never came through. Most of the time, it traces back to a handful of items sitting on a report — and some of them shouldn't be there at all.
Collections & charge-offs
One account sold to a debt buyer can follow you across three bureaus with three different balances, three different dates, and three different account numbers.
Inconsistent, outdated or unverifiable? It can be challenged.
Late payments
A stretch of 30- and 60-day lates from years ago still weighs on the single biggest factor in your score — and underwriters read them as a pattern, not a rough season.
We verify every date, balance and status reported.
Repossessions
A repo can hold up an auto approval years after the fact — and deficiency balances are often reported twice, once by the lender and again by the collector.
Duplicate reporting is one of the first things we look for.
Bankruptcy & foreclosure
Public records are the loudest items on a report, and the accounts attached to them are frequently still reporting balances they shouldn't be.
Included accounts must report accurately — we audit every one.
Hard inquiries
Shopping for a car or a loan can leave a trail of pulls you never authorized from lenders you never spoke to — each one shaving points at the worst possible moment.
Unauthorized pulls can be disputed with the bureaus.
A business profile nobody built
No EIN file, no D&B number, no trade lines, personal credit attached to everything. Underwriters can't fund a company they can't verify.
We structure the business file while the personal file heals.
Where the path leads
We don't sell credit repair. We fix it and change lives.
Buying a home
We work backward from your lender's overlays — the score, the ratios, the seasoning — so the second pull is the one that clears.
Financing a vehicle
Tier-one paper instead of buy-here-pay-here. The difference between approval tiers is real money every month for six years.
Business funding & credit
Clean personal file, structured business file, then a lender-ready package. Capital that scales the company instead of collateralizing your house.
Credit restoration
No immediate purchase in mind? Build the file now so the next opportunity doesn't depend on how fast someone can fix your report.
The route
Three stops between here and approved.
Every client gets a plan built around their own report and their own goal. Nothing generic, nothing templated, and nothing you can't see for yourself in your portal.
The Blueprint
A 30-minute call where we read your personal report and your business profile together and name the exact items standing between you and the approval.
- Full report and profile review
- Hidden roadblocks identified
- A written 3-step action plan
The Work
Our team challenges the inaccurate, outdated and unverifiable items with the bureaus and furnishers, and builds the habits that hold the gains.
- Round-by-round dispute strategy
- Utilization and account structure coaching
- Live portal — every letter, every response
The Capital
Once the file supports it, we position you for the thing you actually came for — the mortgage pre-approval, the auto tier, or the funding package.
- Business credit file structured properly
- Lender-ready documentation
- Warm introductions to our partner network
Who you're working with
Enrique CabreraFounder
Everyone deserves the best things that life has to offer.
That belief is why Fresh Path exists. Credit challenges quietly block people from most of it — the house, the vehicle, the business that was supposed to change everything for the family.
Here at Fresh Path we have a dedicated team that designs a strategic plan for each client, executes it, and works to remove the negative items dragging their credit down. Not a form letter mailed on your behalf. A plan built for your file, your timeline, and the specific approval you're chasing.
Our team built the firm around one standard: you should always know what's happening with your file, what it's doing to your score, and what comes next. And when the credit side is handled, the funding side is already waiting.
In their words
The part that matters is what happens after.
I'd been turned down twice and honestly figured a house wasn't happening for us. Enrique's team sat down with my report and showed me three things I didn't even know were on there. Six months later we closed on a place with a yard for my kids.
My personal credit was holding my company back and I had no idea my business file barely existed. They handled both at once. What I appreciated most was the portal — I could see every letter that went out and every response that came back.
I used to lose buyers when the pre-approval came back short. Now I send them to Fresh Path and they come back to me ready. Enrique keeps me updated the whole way, which means I'm not guessing about my own pipeline.
Testimonials reflect the experience of individual clients. Results vary based on each person's credit profile and the response of the credit bureaus and data furnishers, and are not a guarantee of similar outcomes.
Investment
Two ways to walk the path.
Same team, same strategy, same portal. The only difference is how the work is paid for.
Six-month program
One flat figure for the complete engagement — the audit, every dispute round, the business file, and funding readiness.
- Full personal and business credit audit
- Dispute rounds across all three bureaus
- Business credit file structured properly
- Funding readiness review and lender packaging
- Live portal — every letter and every response
- Direct access to your strategist for six months
Month to month
Then $85 per month for each month of work completed. Stay as long as the file needs, leave whenever you're done.
- Full personal and business credit audit
- Dispute rounds across all three bureaus
- Business credit file structured properly
- Funding readiness review and lender packaging
- Live portal — every letter and every response
- Cancel any month, no termination fee
Fees are billed only after the work they cover has been completed. You will receive a written statement of your Consumer Credit File Rights Under State and Federal Law before signing anything, and you may cancel your agreement without charge within three business days.
Free consultation
The 30-Minute Financial Breakthrough Blueprint
Half an hour at no cost. You leave with a clear picture of your file and a written plan you could run yourself if you wanted to.
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01
We review your personal credit report and business profile
Line by line — what's reporting, what's inconsistent, and what's quietly costing you the most points.
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02
We find the hidden roadblocks
The duplicate collection, the unauthorized inquiry, the missing business file — the things that stop an approval that nobody flagged for you.
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03
You get a clear 3-step action plan
A written path to unlocking funding, in order, with the timeline it realistically takes.
Pick your time
Pick a time that works and we'll send a confirmation with everything to have ready.
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Prefer to talk now? Call 321-246-0017Mon–Fri, 9:00 AM – 7:00 PM
Rather not book a time?
Send us your details instead.
Tell us where you're at and we'll reach out with your next step.
By submitting, you agree to be contacted by Fresh Path Consulting Group by phone, text or email about your request. Message and data rates may apply. Consent is not a condition of purchase.
Straight answers
Questions we get on every first call
Can you guarantee items will come off my report?
No, and anyone who tells you otherwise is selling you something. Accurate, current and verifiable information stays on a credit report — that's federal law, not company policy.
What we do is audit every item for accuracy, completeness and verifiability, then challenge the ones that fail. Bureaus and furnishers have to investigate and correct or delete what they can't verify.
Couldn't I dispute all of this myself for free?
Yes. You have the right to dispute directly with each credit bureau at no cost, and to get a free copy of your report from each bureau every twelve months at AnnualCreditReport.com.
People hire us for the strategy, the follow-through across rounds, and the funding side that comes after — not because they're not allowed to do it themselves.
How long does it take?
Bureaus generally have 30 days to investigate a dispute, so progress moves in rounds. Most files show meaningful movement across the first few months, but the honest answer depends on how many items you have and how the furnishers respond.
You'll know exactly where things stand the whole way — every letter and every response is visible in your portal.
What does it cost?
Two options, both published above. The six-month program is a flat $500 for the full engagement. Month to month is a $195 first-work fee and $85 for each month of work completed.
Fees are billed after the work they cover has been performed, everything is confirmed in writing before you sign, and you have three business days to cancel any agreement without penalty.
Do you handle business credit and funding too?
That's the second half of the work. We structure the business file properly — entity, EIN, business bureau profiles, trade lines — and then position you for funding once the numbers support the ask.
I'm a realtor, lender, dealer or tax pro. Can I send clients?
Absolutely — that's a large part of how we grow. If you're regularly telling people "come back in six months," we'll take the handoff, keep you updated on their progress, and send them back to you ready to close.
Book the same call and choose the partner option on the form.
Your next approval starts with one honest conversation.
Thirty minutes, your report, your business profile, and a plan you can actually follow. Whether you run it with us or on your own.
Start Your Fresh Path Today