OxenPath
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Credit help software
Fix your credit yourself — with software that does the paperwork.
OxenPath audits your three credit bureau reports, finds the errors, builds your dispute letters, and tracks every 30-day clock. You stay in charge. The app does the heavy lifting.
Start your 3-day free trial How it works Talk to the Executive →No credit card required for the trial. No letters built on trial — insight only.
We are not a credit repair company.
We don't repair your credit for you. We offer you a tool that helps you do it yourself, with real education behind it. That's an important legal distinction — and it's why our incentives line up with yours. We don't charge for outcomes. We charge for the tool.
01 — How it works
1. Audit your reports
Upload your Equifax, Experian, and TransUnion reports. OxenPath reads all three and flags errors, duplicates, wrong balances, wrong dates, and items that should have aged off — in plain language, no codes or jargon.
2. Build your letters
Validation letters, bureau disputes, goodwill requests, pay-for-delete offers — personalized to your specific situation, not copied from a template blast. State-law aware: federal protections everywhere, state-specific notes on top.
3. Track every clock
Every letter you send starts a 30-day clock. The tracker watches what comes back, tells you what changed, and what's next: round two, verification, or escalation.
02 — Pricing
3-day trial
- Talk with the Executive
- Full audit of your reports
- No letters built — insight only
Base
- Everything in trial, plus:
- Unlimited personalized letters
- State-law engine
- Goal-driven plan & 30-day tracker
- Law changelog & support
Plus
- Everything in Base, plus:
- Credit monitoring
- Budgeting tools
Premium
- Everything in Plus, plus:
- Funding education
- Business-credit track
Straight-up pricing. No hidden fees.
Here's the honest math: credit card companies take a cut of every payment. Most companies bury that in the price and hope you don't notice. We put it on the bill where you can see it.
- Base: $49/mo + 3% processing, or $490/yr — we eat the fee. Two months free.
- Plus: $79/mo + 3% processing, or $790/yr — we eat the fee. Two months free.
- Premium: $99/mo + 3% processing, or $990/yr — we eat the fee. Two months free.
Pay by the month, the fee's on the bill. Pay for the year, the fee's on us.
How we keep our fees this low: most companies hide the card company's cut inside the price. We don't. Monthly shows the 3% on your bill — yearly, we eat it. That's the whole trick.
03 — Questions, answered straight
Is OxenPath a credit repair company?
No. We are not a credit repair company. We don't repair your credit for you. We offer you a tool that helps you do it yourself, with real education behind it.
Will this raise my credit score?
We don't promise score increases — nobody honest can. Nobody can delete accurate, verifiable negative information from your reports. What the software does is help you find and dispute information that is actually wrong, which is what the law protects.
What do I need to start?
Your three bureau reports — Equifax, Experian, and TransUnion. Upload them and the audit runs immediately. Your PDFs are processed and deleted from our servers right away; we keep only the findings, never the documents.
Which states are supported?
All 50 states. Federal FCRA and FDCPA protections apply for everyone, and the app reads your state from your credit report to add state-specific notes on top.
Is this legal advice?
No. OxenPath is educational software, not a law firm. Nothing in the app is legal advice for your specific situation. If you need legal advice, talk to a consumer-law attorney.
Start your 3-day free trial
Talk with the Executive. See your full audit. No credit card, no letters on trial — just the insight.
Educational software, not legal advice. We'll email you about your trial — nothing else.