Save the buyers you lose to credit.
Clean Path partners with mortgage LOs, real estate agents, and dealership F&I managers to bring credit-challenged buyers back to mortgage- and loan-ready in 60-90 days. Bilingual, CROA-compliant, San Antonio based.
Apply for partnership →Built for the partners who lose deals to credit.
Three partner types, one playbook. Each gets a free pre-screen on every referral, weekly written updates, and a re-quote handoff when the buyer is ready.
Mortgage LOs & Real Estate Agents
You lose 25-40% of files to credit denials. We're the recovery channel — 60-90 day average to mortgage-ready, weekly progress reports back to you, files prepared for FICO 10T and VantageScore 4.0.
Dealership F&I Managers
Bumped buyers walk and don't come back. We bring them back re-quote ready in 60-90 days. Bilingual, no cost to the dealership, dealership-branded handoff page keeps the relationship with you.
Bilingual / Latino LO Partners
Most credit-repair partners are English-only and don't handle ITIN, cash income, or mixed-status families. We do. Spanish-primary intake at /es-comprador for hand-off to your Latino working-class buyers.
The opportunity in 2026
- 24% of US consumers skipped or underpaid a credit obligation in the last 12 months (FICO Spring 2026)
- The average FICO score is 714, down 2 points YoY (FICO Spring 2026)
- 25.3 million US adults have no scorable credit record (CFPB Office of Research, June 2025)
- FHFA approved FICO 10T and VantageScore 4.0 for Fannie Mae and Freddie Mac — first major mortgage scoring change in 30+ years; rent and utility history now count
Buyers you said “no” to last year may be 60-90 days from “yes”. We make that path operational.
How the partnership works
You refer the file
Send the borrower to our intake form, hand them off on a warm call, or scan our QR code at the desk. No special process — just a referral.
Free 48-hour pre-screen
We tell you whether we believe we can help, what the timeline looks like, and what the file needs. No commitment from your borrower.
Program runs 60-90 days
Bilingual. Weekly written progress reports to both you and the borrower. CROA-compliant disputes under FCRA §611 and §623. No advance fees.
Re-quote ready handoff
When the file is mortgage- or loan-ready, we coordinate directly with you. The buyer comes back to YOU — the relationship stays with you.
Partnership terms discussed during onboarding call.
Apply for partnership
~60 seconds. We'll review and reach out within one business day to schedule a 15-minute discovery call.
Clean Path Credit complies with the Credit Repair Organizations Act (CROA), Fair Credit Reporting Act (FCRA), Real Estate Settlement Procedures Act (RESPA), and Telemarketing Sales Rule (TSR). We do not guarantee any specific score change, item removal, approval outcome, or interest-rate savings. Individual outcomes depend on the accuracy of reported information, creditor and bureau response times, and continued participation in the program.