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WE ARE THE CREDIT EXPERTS!

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Learn More About Our Credit Repair Process
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5 PLATES TO A CLEAN SLATE

At Clean Slate Credit Solutions, we make every effort to make the credit repair process as easy and hassle-free as possible. We have designed a proven and effective way to help repair and build our Clients credit. Our “5 Plates to a Clean Slate” focuses on raising our Clients credit score which is calculated by 5 factors. Payment history (35%), Debt owed (30%), length of credit history (15%), new credit/inquires (10%), and mixture of credit (10%).


1. Credit Report Consultation

The 1st Plate to a Clean Slate is our free Credit Report Consultation. Our company only charges you after the items are deleted off your credit report so we need to analyze your credit report to give a proper estimate. We can then determine if you need any help in the areas below:

Building your credit
Debt settlement
Debt consolidation
Student loan consolidation
Applying for a mortgage or auto loan
Refinancing a mortgage or auto loan

Click here to schedule a 30 minute Credit Report Consultation with our sales department to go over your credit report. 

2. Initial Audit

The 2nd Plate to a Clean Slate is to enroll in our program after speaking to one of our Senior Credit Consultants, and for us to conduct your Initial Audit. We will perform the following services below and more: 

Provided with 24/7 Online Account Access
Obtain Identification Documents
Enroll in Credit Monitoring
Prepare 1st Round of Dispute Letters
Added to Credit Repair Lab Facebook Group
Schedule Welcome Call

As we file the disputes with the credit bureaus, creditors and collection agencies on your behalf, they will then mail you the dispute results, which you will need forward to us immediately.

We will analyze the dispute results, and if the inaccurate items are deleted or corrected, we will devise a new strategy and re-dispute the negative items again.

We are one of the only few companies that will even file disputes and complaints with the Consumer Financial Protection Bureau (CFPB) and Better Business Bureau (BBB) to help expedite the disputes and with ensuring that the disputes are being investigated correctly.

Our credit repair program is six (6) months long but you can cancel at anytime. A lot of our clients see results in as little as 30 to 45 days, but see maximum results in six (6) months. The 2nd Plate can contribute to 30% to 35% of your credit score and our clients are seeing an average of 50% to 75% of inaccurate items being deleted once this step is complete.


3. Build and Establish

The 3rd Plate to a Clean Slate is is to start building and establishing credit. We recommend that you have at least five (5) open & active accounts on your credit report to maximize your credit score. Our company will help and guide you with applying for the following:  

Authorized User (AU) Accounts
Secured Credit Cards
Credit Builder Accounts
Auto Loans
Department Store Charge Cards
Merchandise Credit Lines

This is the most important step in our program. You will not see  your credit score increase unless you add positive accounts to your credit report.

This Plate alone will raise your credit score dramatically because adding positive credit lines to your credit report covers four (4) areas; payment history, length of credit history, new credit, and mixture of credit for a total of 70% of your credit score. Now do you see why this is the most important?


4. FDCPA/FCRA Violations

The 4th Plate to a Clean Slate is to see if there are any violations of the Fair Debt Collection Practices Act (FDCPA) or the Fair Credit Reporting Act (FCRA) on your credit report or by collection agencies. We partnered with an attorney that will help you against any unfair or abusive practices by debt collectors. Here are some actions a collection agency is not allowed to do: 

Call Before 8:00 a.m or After 9:00 p.m.
Use Abusive or Profane Language
Contact Your Relatives or Neighbors
Mention Damage To Your Credit Score
Call You At Work If You Told Them Not To
Avoid Validation on a Disputed Account

These accounts mainly include any open collection accounts and charge-off accounts that still have a balance. If any violations are found, you may be entitled up to $1,000. This step can also contribute to 30% of your credit score.


5. Program Completion

Our 5th Plate to a Clean Slate is for you to complete our our program, usually six (6) months after joining the Clean Slate family. We will ensure that we have done everything possible to remove as many inaccurate negative items as possible and prepare an exit strategy for you. Most importantly, we will refer you to the following people to with your needs beyond credit repair. 

Mortgage Brokers/Loan Officers
Real Estate Businesses
Accountants/Financial Planners
Auto Dealerships
Banks/Credit Unions
Business Loans/Merchant Advances

SCHEDULE YOUR CREDIT REPORT CONSULTATION BELOW


 
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1. Free Credit Report Evaluation

The 1st Plate to a Clean Slate is our free Credit Report Evaluation. If you don’t have a copy of your credit report(s), You can click here to submit your information to our secure database or you can go to www.annualcreditreport.com to get them for free. Then email a copy to jose@cleanslatecreditsolutions.com or fax to (866) 538-9548. In 24 - 48 hours, we will provide you with a detailed analysis of the negative items affecting your credit report. Our company only charges you for the items that we delete off your credit report. We can then determine if you need any help in the areas below:

Building your credit
Debt settlement
Debt consolidation
Student loan consolidation
Applying for a mortgage or auto loan
Refinancing a mortgage or auto loan

2. Initial Audit

The 2nd Plate to a Clean Slate is to sign our Credit Repair Agreement, by clicking here, and for us to conduct your Initial Audit. We will perform the following services below and more:

We will obtain, review and analyze your credit report(s)
We will enroll you in FREE credit score monitoring
We will provide you with your username and password to monitor your credit repair
We will enter your inaccurate information and negative items into our database for processing
We will prepare the initial dispute letters to send to the credit bureaus, creditors, and collection agencies
We will print your initial dispute letters and mail in a stamped envelope
We will add you to “Do Not Call” registry and “Opt Out” list to eliminate telemarketing calls & junk mail

As we file the disputes with the credit bureaus, creditors and collection agencies on your behalf, they will then mail you the dispute results, which you will need forward to us immediately.

We will analyze the dispute results, and if the inaccurate items are deleted or corrected, we will devise a new strategy and re-dispute the negative items again.

We are one of the only few companies that will even file disputes and complaints with the Consumer Financial Protection Bureau (CFPB) and Better Business Bureau (BBB) to help expedite the disputes and with ensuring that the disputes are being investigated correctly.

Our credit repair program is six (6) months long but you can cancel at anytime. A lot of our clients see results in as little as 30 to 45 days, but see maximum results in six (6) months. The 2nd Plate can contribute to 30% to 35% of your credit score and our clients are seeing an average of 50% to 75% of inaccurate items being deleted once this step is complete.

3. Build and Establish

The 3rd Plate to a Clean Slate is is to start building and establishing credit. We will help you apply for a secured credit card and other lines of credit that you will get approved for. Also, we will guide you on how to add an authorized user (AU) account to your credit report.

This is the most important Plate of all. We suggest you apply for at least two (2) secured credit cards, two (2) lines of credit, and add at least one (1) AU account. You will not see the credit score increase that you want unless you add positive accounts to your credit report.

This Plate alone will raise your credit score dramatically because adding positive credit lines to your credit report covers four (4) areas; payment history, length of credit history, new credit, and mixture of credit for a total of 70% of your credit score. Now do you see why this is the most important?

4. Debt Settlement

The 4th Plate to a Clean Slate is to settle on any accounts that were not able to be deleted during the dispute process. We do this step last so that you are not paying for items that were deleted.

These accounts mainly include any open collection accounts and charge-off accounts that still have a balance. Please remember that we are not a licensed debt settlement company so we cannot contact the collection agency directly and make payments on your behalf.

We can guide you on how to settle accounts correctly and will also refer you to an attorney with settling judgments to help with getting the lowest settlement possible. If you do this on your own, you wont get the same results. This step can also contribute to 30% of your credit score.

5. Graduate

Our 5th Plate to a Clean Slate is for you to graduate our program, usually six (6) months after joining the Clean Slate family. We will ensure that we have done everything possible to remove as much inaccurate negatives as possible and help you with paying off your open collections and charge-offs.

Most importantly, we will refer you to mortgage brokers, banks, auto dealerships, real estate agents, accountants and others to help you with  achieving your financial goals.

1. Free Credit Report Evaluation

The 1st Plate to a Clean Slate is our free Credit Report Evaluation. If you don’t have a copy of your credit report(s), You can click here to submit your information to our secure database or you can go to www.annualcreditreport.com to get them for free. Then email a copy to jose@cleanslatecreditsolutions.com or fax to (866) 538-9548. In 24 - 48 hours, we will provide you with a detailed analysis of the negative items affecting your credit report. Our company only charges you for the items that we delete off your credit report. We can then determine if you need any help in the areas below:

Building your credit
Debt settlement
Debt consolidation
Student loan consolidation
Applying for a mortgage or auto loan
Refinancing a mortgage or auto loan

2. Initial Audit

The 2nd Plate to a Clean Slate is to sign our Credit Repair Agreement, by clicking here, and for us to conduct your Initial Audit. We will perform the following services below and more:

We will obtain, review and analyze your credit report(s)
We will enroll you in FREE credit score monitoring
We will provide you with your username and password to monitor your credit repair
We will enter your inaccurate information and negative items into our database for processing
We will prepare the initial dispute letters to send to the credit bureaus, creditors, and collection agencies
We will print your initial dispute letters and mail in a stamped envelope
We will add you to “Do Not Call” registry and “Opt Out” list to eliminate telemarketing calls & junk mail

As we file the disputes with the credit bureaus, creditors and collection agencies on your behalf, they will then mail you the dispute results, which you will need forward to us immediately.

We will analyze the dispute results, and if the inaccurate items are deleted or corrected, we will devise a new strategy and re-dispute the negative items again.

We are one of the only few companies that will even file disputes and complaints with the Consumer Financial Protection Bureau (CFPB) and Better Business Bureau (BBB) to help expedite the disputes and with ensuring that the disputes are being investigated correctly.

Our credit repair program is six (6) months long but you can cancel at anytime. A lot of our clients see results in as little as 30 to 45 days, but see maximum results in six (6) months. The 2nd Plate can contribute to 30% to 35% of your credit score and our clients are seeing an average of 50% to 75% of inaccurate items being deleted once this step is complete.

3. Build and Establish

The 3rd Plate to a Clean Slate is is to start building and establishing credit. We will help you apply for a secured credit card and other lines of credit that you will get approved for. Also, we will guide you on how to add an authorized user (AU) account to your credit report.

This is the most important Plate of all. We suggest you apply for at least two (2) secured credit cards, two (2) lines of credit, and add at least one (1) AU account. You will not see the credit score increase that you want unless you add positive accounts to your credit report.

This Plate alone will raise your credit score dramatically because adding positive credit lines to your credit report covers four (4) areas; payment history, length of credit history, new credit, and mixture of credit for a total of 70% of your credit score. Now do you see why this is the most important?

4. Debt Settlement

The 4th Plate to a Clean Slate is to settle on any accounts that were not able to be deleted during the dispute process. We do this step last so that you are not paying for items that were deleted.

These accounts mainly include any open collection accounts and charge-off accounts that still have a balance. Please remember that we are not a licensed debt settlement company so we cannot contact the collection agency directly and make payments on your behalf.

We can guide you on how to settle accounts correctly and will also refer you to an attorney with settling judgments to help with getting the lowest settlement possible. If you do this on your own, you wont get the same results. This step can also contribute to 30% of your credit score.

5. Graduate

Our 5th Plate to a Clean Slate is for you to graduate our program, usually six (6) months after joining the Clean Slate family. We will ensure that we have done everything possible to remove as much inaccurate negatives as possible and help you with paying off your open collections and charge-offs.

Most importantly, we will refer you to mortgage brokers, banks, auto dealerships, real estate agents, accountants and others to help you with  achieving your financial goals.

 

 

 

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