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A Clear Path to rebuild Your Credit And Financial Stability

ClearWay Credit Coaching helps you understand credit reports, manage debt, and build lasting financial habits through personalized credit counseling, dispute assistance, and practical planning tools.

When past-due bills, collection calls, or surprise notices make you feel overwhelmed, ClearWay provides calm, practical credit coaching and education. We help you:

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About Us

When past-due bills, collection calls, or a unexpected financial challenges arise, it can feel like your entire financial life is out of control. You might be:

  • Afraid to answer your phone
  • Ignoring mail because you expect more bad news
  • Unsure which issues are urgent or whether you’re at risk of being sued

ClearWay Credit Coaching brings structure and clarity to that chaos. We help you:

  • Understand how debt collection and credit reporting processes work,
  • Learn basic concepts for organizing your finances and documents, and
  • Use general budgeting and planning tools to decide what to do next.

We do not provide credit or debt counseling, we do not design individualized debt payoff plans, and we do not manage or resolve debt or negotiate with creditors.

“Share a few details about your situation. We’ll review your information and recommend practical next steps you can take immediately.”

Why ClearWay?

Clarity, Compassion, and Practical Credit Coaching

Clarity

We explain your credit and debt situation in plain language so you can make informed choices without pressure.

Compassion

We start by listening and respect the real-life causes of debt—job loss, medical events, divorce—and tailor practical guidance to your reality.

Trust & Transparency

Our coaching is grounded in consumer-protection principles. We explain how credit reporting and collections generally work and when a referral to a qualified specialist may be appropriate.

Solutions Snapshot

Credit Report Review & Dispute Guidance:

Identify errors and coach you through disputes.

Credit & Budgeting Education

Actionable budgeting concepts and prioritization frameworks.

Collections Communication Coaching:

Scripts, documentation templates, and escalation guidelines (non-official).
Programs & Pricing

Coaching Packages Designed Around Real Needs

These packages deliver credit counseling, dispute assistance, and planning. They are
educational and coaching services—not debt management or professional support. Final
terms are detailed in writing.

Quick Clarity Session
$195
Best for: People who need a fast, clear starting point.
Review of one credit report and key communications,
30–45 minute coaching session,
Written summary with prioritized next steps for disputes, budgeting, and communications. Outcome: Clear snapshot and immediate action checklist.
Purchase
You leave with a clear understanding of where you stand and what types of options exist. This session does not create a personalized debt management or payoff plan and is not ongoing counseling.
Guided Planning Session
$895
Best for: People who want a structured action plan.
Everything in Quick Credit Clarity,
Written Planning Guide organized around income and major obligations (educational only),
Template letters and scripts for creditor and bureau communications,
30 days limited follow-up via email to clarify plan items. Outcome: Step-by-step roadmap to begin repairs and organization.
Purchase
You gain a realistic, step-by-step educational roadmap so “I don’t know where to start” becomes “I understand the order in which to consider my next steps.” This is not credential-based counseling or a custom debt payoff plan.
Most Popular
Credit Recovery Overview
$1,495
Best for: Individuals with multiple accounts or significant reporting issues.
Comprehensive review of all three credit reports,
Prioritized dispute plan and coaching through up to 6 disputes,
Budget and debt-priority recommendations,
Two 45-minute coaching sessions and progress checklist. Outcome: Active dispute and rebuild plan with accountability checkpoints.
Purchase
You are no longer navigating alone. You have a better understanding of the credit improvement process and planning tools, but ClearWay does not manage your debt, negotiate with your creditors, or provide outcome-based counseling.
Intensive Recovery & Rebuild
$2,990
Best for: Complex credit files or rebuilding after major setbacks.
Year-long coaching and priority support,
Unlimited dispute guidance within scope,
Customized credit-building strategy (secured cards, credit-builder loans, authorized- user plans),
Monthly coaching plus biweekly check-ins for first 3 months. Outcome: Comprehensive recovery program focused on sustainable credit improvement.
Purchase
You have a dedicated credit coach for defined matters. This program is focused on your credit education and financial improvement strategies. It does not include managing or resolving all debts, designing payment plans, or delivering ongoing coaching tied to debt outcomes.
Premium ClearWay Planning & Legal Support
$9,990
Complex or high-exposure situations involving multiple accounts, lawsuits, or overlapping legal and credit-related issues where both education and limited legal work are appropriate
Coordinated review and explanation of several related legal and credit issues
Limited-scope legal representation in defined matters (where permitted)
Periodic educational sessions focused on long-term planning concepts (budgeting basics, record-keeping, risk awareness)
Priority access for clarification questions within the program scope
Purchase
Your overall situation is addressed in a more coordinated way from both a legal-information and planning perspective. This is not a multi-month debt resolution or negotiation program; we do not manage, reduce, or resolve debt balances.

Important Program Note:

All packages are coaching and education only. They do not include professional support or no guarantees can be made regarding credit reporting outcomes. Written engagement required.

Real Client Scenarios (Educational Examples)

“Behind on Bills and Unsure Where to Start”

We helped a client list accounts, prioritize urgent items, and begin targeted disputes. With a Guided Planning Session they moved from anxiety to a clear action plan.

“Surprising Errors on a Credit Report”

We helped a client identify outdated and incorrect items, prepare targeted disputes, and track responses—leading to more accurate reporting and better options.

“Credit Report Full of Surprises”

A client discovered outdated and incorrect items on a credit report. We helped them identify likely errors, prepare targeted disputes, and understand how to track responses, so they could move forward with more accurate information.

Free Guide: “Your First 10 Steps When Credit Feels Out of Control”

  • Documents to gather, urgency checklist, and common mistakes to avoid.
  • Credit Dispute Toolkit — sample letters, documentation checklist, and timeline expectations.
  • How to sort issues by general urgency,
  • Credit-Building Starter Guide — secured card options, utilization targets, and on-time payment strategies.
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