WE ARE THE CREDIT REPAIR EXPERTS!

We feel that you should only pay for the items that get deleted. There are no monthly fees and you can cancel anytime. Get started today.

Initial Audit Fee – $199 Individual

(Charged 5 days after signing up)

You can sign up for our program with zero upfront fees and feel comfortable knowing that we will not charge you until the Initial Audit is complete. (Typically five days).

Below are the services included in our Initial Audit:

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Provided with 24/7 Online Account Access

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Negative Items Added to Database

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Provided with Credit Report Evaluation

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1st Round of Dispute Letters Created

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Welcome Call Scheduled

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Details of Consumer Rights

HAVE QUESTIONS?

WE HAVE ANSWERS!

We are the Credit Experts
Let us help!

(866) 538-9548

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Personal Information

We want to make sure that the credit bureaus are reporting 100% accurate information. You don’t have to have someone else’s name or address on your credit report. This can cause a credit merge and a possibility of their items jumping onto your credit report. We work to remove the following:

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Inaccurate or Mispelled Names

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Incorrect Date of Birth

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Incorrect Social Security Number

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Outdated Telephone Numbers

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Previous Employment Records

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Previous Employment RecordsRemoval of ex-Spouse

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Late Payments

We realize that you might have late payments on your credit report. We contact the credit bureaus and creditors to demand they are reporting 100% accurate information pursuant to the Fair Credit Reporting Act (FCRA) and the Fair Credit Billing Act (FCBA). Late payments appear due to:

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Job Loss

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Hospitalization

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Deployment

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Financial Hardship

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Computer Error

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Inaccurate Reporting

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Free Student Loan Consolidation

We feel that if you are in need of consolidating your student loans, you shouldn’t have to pay hundreds of dollars to do so. Our company will consolidate your federal student loans at no additional cost to help you with one of the following:

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Lower Interest Rates

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Lower Your Monthly Payment

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Income-Driven Repayment Plan

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Consolidate Into One Student Loan

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Avoid Tax Offset

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Possible Loan Forgiveness

$50 Per Item – Per Bureau

Collections

Collection accounts can seem to be very burdensome and you may not know exactly what rights you have. We will never suggest for you to not pay a collection agency, but before you do, ensure that they provide proper validation and are able to prove the account is yours. There are times where collection agencies report inaccurate information on your credit report so it is their responsibility to provide verification that the accounts is reporting accurate. They must do the following:

 

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Report 100% Accurate

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Provide Account Validation When Disputed

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Aren’t In Violation of the FDCPA or FCRA

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Ensure Balance is Listed Correctly

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Mark Account as “In Dispute” When Disputed

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Delete The Account If There Is No Proof

HAVE QUESTIONS?

WE HAVE ANSWERS!

We are the Credit Experts
Let us help!

(866) 538-9548

$50 Per Item – Per Bureau

Charge Offs

A charge-off occurs when your account typically goes over 180-past due and the creditor has closed your account. They then will either two things, hire a collection agency to collect the debt or file a judgment against you. Just like with any other account, the account must be listed 100% accurate on your credit report. We will ensure the creditors do the following:

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Report 100% Accurate

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Provide Account Validation When Disputed

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Aren’t In Violation of the FDCPA or FCRA

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Ensure Balance is Listed Correctly

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Mark Account as “In Dispute” When Disputed

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Delete The Account If There Is No Proof

$50 Per Item – Per Bureau

Repossessions

No one likes it when their car is repossessed. By we don’t want you to feel that you are never able to recover. Creditors and credit bureaus must report accurate information on your credit report. As well as provide documentation that supports any information reported. Lenders must do the following:

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Report 100% Accurate

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Provide Account Validation When Disputed

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Aren’t In Violation of the FDCPA or FCRA

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Ensure Balance is Listed Correctly

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Mark Account as “In Dispute” When Disputed

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Delete The Account If There Is No Proof

$50 Per Item – Per Bureau

Foreclosures & Short Sales

A foreclosure can prevent you from being approved for credit again. But knowing how to request validation or verification can be the key to proper removal. Banks must do the following:

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Report 100% Accurate

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Provide Account Validation When Disputed

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Aren’t In Violation of the FDCPA or FCRA

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Ensure Balance is Listed Correctly

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Mark Account as “In Dispute” When Disputed

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Delete The Account If There Is No Proof

$100 Per Item – Per Bureau

Public Records (Tax Liens, Judgments, ect.) 

Public records can cause your credit score to drop significantly. Court houses do not report to the credit bureaus either so ensuring that you get the proper documentation to remove these accounts are important. We can dispute the following inaccurate public records:

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Chapter 7 Bankruptcy

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Chapter 13 Bankruptcy

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Federal Tax Lien

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State Tax Lien

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Judgments

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Child Support

If we are unable to delete any negative items from your credit report in 180 days, we will refund your Initial Audit Fee in full.

A deletion fee is invoiced for the complete deletion of an item. The deletion fees above are per item and per bureau. The deletion of ANY item from ANY bureau counts as ONE (1) deletion. The deletion of any account or public record from all three credit bureaus counts as THREE (3) deletions

Once you have a balance with us for the items that were deleted, you will be billed no more than $100 a month until your balance is paid off. You will not be required to pay off your balance in full. Example, if there are 6 collection deleted, we will send you an invoice of $300, in which you will be required to pay $100 a month for 3 months.

Our clients must also maintain an active credit monitoring service from all three credit bureaus. If client doesn’t already have one, we will have them sign up for our preferred credit monitoring site which is $1 for the first 7 days and then $21.99 a month. More information can be found at www.cleanslatecreditsolutions.com/identityIQ

Ready to Change Your Life?

Contact Us Today to Find Out How We Can Help You!