You're not here for credit repair. You're here for a house.
Somebody told you not yet. A lender, a Realtor, an underwriter. Credit is the thing standing between you and the keys, and that is the only reason we exist.
First Key Pathway pulls all three of your reports, shows you exactly what is holding up your approval, and challenges what does not belong there. Not as an end in itself. As the step that gets you to closing.
Enroll first. We call you after.
Most companies get you on the phone, pitch you, and then take your card. We do it the other way around. You enroll here in writing, and your welcome call happens once you are already a client. Nobody is ever talked into anything.
You enroll on this page
Complete the form below and add a payment method. Nothing is charged. Your card sits on file until there is finished work to bill for.
$0 todayWe call you
A welcome call to verify your information, confirm your identity documents, and answer anything you want to ask. Take as long as you need. You are already enrolled, so nobody is selling you.
Your credit analysis is delivered
A written breakdown of all three bureau reports. Every account, every derogatory item, what is accurate, what is questionable, and what we intend to challenge and on what grounds. It is yours to keep whether you continue or not.
$200 billed after deliveryDispute letters are prepared
We draft your round of letters. Each one challenges specific items for specific reasons. You choose whether we mail them or you mail them yourself.
Letters go out, then you are billed
Your monthly fee is charged after each round is sent. Never before. If we mailed on your behalf, your certified mail receipt is added to your file the day it comes back.
$99 billed after each round is sentWe mail them, or you mail them.
Some people want the whole thing handled. Some people want to hold the envelopes and walk them into the post office themselves. Both are fine, and the price does not change.
We mail for you
We send each round by certified mail with return receipt requested. Your signed green card is scanned into your file so you can see the exact date the bureau received it.
You mail them yourself
We deliver your finished letters with bureau addresses and mailing instructions. You send them on your own schedule and keep your own receipts.
You see what was sent, and when.
A credit repair company should never ask you to take its word for it. If we mail on your behalf, this is what lands in your file.
A return receipt confirms your dispute was delivered and signed for. It is proof of mailing. It is not a promise about what the bureau will decide.
If nothing has been removed by month six, we keep working at no charge.
If you complete six months of service and your file shows no removals, we continue working on it for three additional months at no cost to you. No monthly fee during those three months.
We are not promising you a result, and nobody honestly can. What we are promising is that we do not walk away from a file that has not moved. You came here to get to a closing table, and we are not done until we have given your file everything we have.
Two charges. Both after the work.
There is no setup fee, no enrollment fee, no application fee, and no charge on the day you sign up.
Credit analysis
Charged one time, only after your written analysis has been delivered to you.
Dispute round
Charged after each round of letters is sent. Same price whether we mail them or you do.
Estimated length of service
Six months for a complete round of work, plus three additional months at no charge if your file shows no removals.
How your card is used.
Stated plainly so there are no surprises on your statement.
When you are first charged
Your card is stored at enrollment and not charged. The first charge of $200 occurs only after your written credit analysis has been delivered to you.
Recurring billing
$99 is charged every 30 days, after each round of dispute letters has been sent. If a round has not been sent, you are not charged for it.
Three day right to cancel
You may cancel your agreement for any reason within three business days of signing, at no cost and with no obligation. Your written Notice of Cancellation is provided with your agreement.
Cancel any time after that
Email or call us and your billing stops. There is no cancellation fee and no minimum term. You keep every document we have delivered to you.
Statement descriptor
Charges appear on your statement as FIRST KEY PATHWAY.
Billing questions
Contact us directly before disputing a charge with your bank. We answer billing questions the same business day.
Things we are required to tell you, and want to.
Please read this carefully
- You have the right to dispute inaccurate information in your credit report yourself, at no cost, by contacting the consumer reporting agencies directly. You are not required to pay anyone to do this.
- Accurate, current, and verifiable negative information cannot be permanently removed from your credit report by anyone, including us.
- We do not guarantee any specific credit score, any deletion, or any loan approval. Any company that guarantees those outcomes is not being truthful with you.
- You have three business days after signing your agreement to cancel it for any reason at no cost. Your Notice of Cancellation is included with your agreement.
- You may cancel at any time after that. You will not be billed for any round of letters that has not already been sent.
- Before you sign your service agreement you will receive a separate written statement titled Consumer Credit File Rights Under State and Federal Law, which you must sign and date. You will be given a copy for your records.
Start your pathway.
You came here because you want to buy a house and somebody told you not yet. This is the part in between. Nothing is charged today, and your first charge happens only after your credit analysis is in your hands.
Your card is stored securely and is not charged now. The first charge of $200 occurs only after your written credit analysis has been delivered to you.
You will not be charged today. You may cancel within three business days for any reason at no cost.