Credit Help Services by Credit Clean
Credit Repair Service
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Credit Repair Information Credit Clean has been in business since 1995. We have helped thousands of people with bad credit become creditworthy. Good credit is the most important asset a person can have; ask anyone who is living with bad credit. Bad credit and bad credit scores keep you from obtaining the things you want and need. If you are ready to take control of your life then please choose a place to start. Most people don't end up here taking a vacation on our website so there must be a reason you are here. At least take the time to educate yourself about credit, you would be amazed how little you know. You will have the options in this website of doing your own credit repair (Self Help Credit Repair Programs) or having us do it for you (Full Service Credit Repair Programs) we also offer the best Credit Monitoring Programs available. Not those useless ones you find located on the credit bureaus' sites that only notify you if something is wrong or changes. We understand that to be a great service but we are not sure what good it does if YOU don't know what to do about the change in your credit reports. We take Credit Monitoring to the NINTH POWER. Our Credit Monitoring Programs are very moderately priced and are renewable yearly. Once you have good credit it's worth every penny to keep it good.
If you are contemplating BANKRUPTCY prior to cleaning up your credit or have already filed a bankruptcy we can help you understand the fundamentals of bankruptcy and how it affects you. Bankruptcy can be cleaned up and your scores will improve tremendously make cleaning up your reports after bankruptcy one of the most important things on your TO DO LIST. Most people who file a bankruptcy ... even if they feel it is the worst thing to do ... are much better off credit wise and debt wise then trying to pay off things they can't pay. The more educated you are about your CREDIT OPTIONS the more control you will have over important decisions you may have to make now or in the future. Anything reporting on a credit report can be removed, good, bad or ugly. The accounts and public record items reporting on your credit reports were put there by your creditors and/or in the case of public record items, the information is put there by the CREDIT BUREAUS. Anything that can be put on a CREDIT REPORT can be removed from a credit report. There is no such thing as an account that cannot be CHALLENGED OR DISPUTED. We want to help you with your credit reports, creditors and collection agency problems. Some of the most common credit problems are listed below ... do you fit any of them? Whether you need help filing bankruptcy or need to clean up your credit reports we can help. There is a wealth of information within our site we hope you choose to read some of it. The more you know about credit the better chance you have of helping yourself out of a bad credit situation. TAKE A SELF TEST ... Check anything below if it applies to you and see just how many of these things are causing your credit scores to be bad. You may be surprised! It really doesn't matter how many you checked even one of the above problems can be a major issue. ONE BAD ACCOUNT can cost you thousands of dollars! These are a few of the most common reported bad credit items. Each item can range from a negative "1" to a negative "9", nine being the most damaging mark. As you can see by the numbers above most bad credit is BAD and given a (9) each (9) can cost you as much as 30 to 50+ points off your CREDIT SCORES. LATE PAYMENTS can be rated bad depending on the amount of time the account was paid late such as 30 days being a (2), 60 days being a (3) and by how many are on just one account. Once you get past ninety days the late payments can score as badly as a collection or charge off. What is ultimately worse is for the late payments to be showing on a mortgage or an auto loan. What ever you do you should always protect your mortgage and car payments and make sure those are paid on time before anything else. If you are having problems paying your debts credit can be a little bad but once you start paying home loans and car loans late your sliding scale just slid off the page. How many of the items above did you check off ... 3, 6 or more than 7? Maybe you had take another look at your options even if you checked off one.
Your credit history is reported to three major credit bureaus Equifax (located in Atlanta, GA), Trans Union (located in Chester, PA) and Experian (located in Allen, TX). The only way a credit report and credit score can be improved is to get as much negative credit information removed as possible. Even if you have read otherwise you have everything to gain from working on and clean up your credit reports. For instance removing one collection account can improve your credit scores as much as 30 points. If those thirty points are the difference between a better interest rate you can save thousands of dollars. I think the odds are better at this gamble than in VEGAS. You have a 50/50 chance with any bad credit items. This alone makes it well worth the effort to clean up your credit reports. One collection account can cost you a lot of money. Many people suffer needlessly with credit problems simply because they do not understand their CREDIT OPTIONS. If you do nothing to try and fix your credit it is almost a certainty your credit will stay bad... and for a long time. Your creditors and the credit bureaus are not going to make things better for you. Wouldn't you rather take the credit clean up odds? If all this is stressing you out go to our STRESS RELIEF page and then come back. CREDIT MONITORING is something for those who want to protect their credit. You can never start monitoring your reports too early or too late. Credit theft, identity theft, merged credit files are the most common errors showing up on consumer credit files. It has been reported recently that New Mexico and Las Vegas are one of the highest states for Identity Theft in the U.S. If you are not checking your credit reports at least quarterly you could be headed for problems no matter what state you live in. Many of you will find out about these problems only when you apply for credit ... finding out you have problems when you need credit is putting the cart before the horse... you can sit in the cart but the thing won't move by itself. If you have ever been a victim of identity theft or credit fraud you really know what we are talking about ... IT IS A NIGHTMARE of which you never entirely wake up from. You will end pulling your hair out and what's worse anyone around you will suffer. This is all well and good but just as you have probably read .... there is no such word as a QUICK FIX for credit issues. The average time it takes to clean up a consumer credit file, doing it the right way, is usually 6 months. This means you can't get denied a loan and then get the problem fixed overnight. Remember when we said No Credit Fairy Dust? No one has that yet and if they did you wouldn't need help with your credit.
Each person and each credit report with each credit bureau has a totally different time span when going through credit repair work. Some clients have completed the credit service in a few months where other clients have had to work on credit problems for several months. If you need credit now you have already waited too long. Waiting any longer just puts you farther down the road. You need to plan for credit you need (especially big ticket purchases... homes, cars ... etc) at least six months in advance. Your best course of action would be to put off what you are trying to get for as long as possible and try to get as much negative credit cleaned up on your credit reports as possible. It will definitely be worth the wait. America is a country that thrives on "INSTANT GRATIFICATION"; however, the saying "PATIENCE IS A VIRTUE" still holds true. Good things come to those who wait and in this type of work; waiting is part of the definition of credit repair. The wait it worth it REALLY.
Did you know that you can have good credit, no late pays, no collections ... nothing negative on your reports at all and can still have NEGATIVE reactions on your accounts? Not only that it affects your credit scores the same way it affects those with negative credit. Charging too much on a credit card or having too much total debt reacts negatively and causes your credit scores to go down. Having several inquiries or making purchases prior to buying a home or car can affect your interest rate in a very negative way. For Example: A client filed a bankruptcy, we cleaned up the reports he scored on Equifax: 689 on Trans Union: 709 and on Experian: 702. He filed bankruptcy three months before we cleaned up the reports and had these kind of scores. At the same time we had a client who had basically good credit with a few minor problems, once we were finished cleaning up the reports he scored on Equifax: 652 Trans Union: 659 and Experian: 665. He had absolutely no negative credit what so ever ... yet scored under the client who had filed a full Chapter 7 bankruptcy. The reason codes that were given for the client's score was: Too many accounts with balances, Too many accounts with high balances and too many inquiries. The point of this is it isn't just one thing that causes credit problems it is a combination of everything on your reports. We just make the combination work for you individually. One extra point of interest on a major loan such as a mortgage or auto loan can cost you thousands of dollars. Sometimes just a simple clean up of your reports can save you a ton of money making it all worth the effort.  Everything Including Personal Information Should Be Accurate On A Credit Report. Having One Inaccurate Thing Can Cause You A World Of Grief. Ask Anyone Who Has A Name That Is Similar To A Family Members ... such as John Doe Jr. who's father is named John Doe Sr.
All your past job information, residences, social security #, driver's license, phone # plus a lot of other personal information is kept in the credit bureau repositories. This is a lot of personal data to be tucked away in a company file even if it is a credit bureau. Credit Clean is not a "TOO GOOD TO BE TRUE" credit help service. We charge a fair price for a very good service. The old saying is that you get what you pay for. We know that companies who advertise credit repair for cheap cannot be doing the best work since it costs money when credit repair is done properly. If a credit repair company is charging you a small fee they are working on quantity rather than quality. Our customer service, knowledge and experience is TOP SHELF. We are licensed, bonded, list with a Web Watch Dog company, list with Dun & Bradstreet and have never had a complaint lodged with the Better Business Bureau. After deciding to get credit help the next most important decision will be who you choose to help you. Our results are good because we do the work hands on and research everything we do. Investing in your credit is something that saves you money for the rest of your life. This investment will give you back much more than you will ever need to put in to it.
Credit Clean does not have magic FAIRY DUST nor do we have ESP but we do offer you honesty, integrity and compassion. We have had callers who state others guarantee them things that make us cringe when we hear them. We use our experience, knowledge and common sense to help you with your credit problems we are not going to down play your intelligence. If it sounds too good to be true then ... it probably isn't. The work we do on credit reports is tedious, frustration and time consuming... the results are worth every minute spent when your credit reports are good and credit scores are high. The best part is hearing you tell us you were APPROVED instead of denied for a loan you need. You will be pleased with the interest rates you get when you have good credit because it will save you a lot of money for a very long time. It's the real gift that keeps on giving. We go the extra distance with all the work done on your credit reports from MEDIATING DEBTS (this is a last resort) to removing all information that has a negative affect on your credit. If you prefer doing your own credit repair work we offer you a self help credit repair & restoration kit AND give you live support to help you do the work. This is not "The You Buy The Book ... See Ya" kind of deal. If we offer you something to help you then we stand behind it. The Self Help Program is set up to guide you through the process of cleaning up your credit with one very useful add-on...we give you FREE LIVE SUPPORT. The SELF HELP CREDIT repair program covers everything from start to finish. You're getting step by step instructions with pre-formatted forms that make this process easy. We don't just sell you the Self Help Program we help you help yourself with the program. The Credit Repair Kit is very well organized so you won't need much help but it is good to know you can get it. How many Self Help Credit Repair Programs have you found that sell you a book and help you if you need it? We haven't found one yet. We are already here helping people that don't want to take on the task themselves so we are always available to help you with our Self Help Program. Don't be taken in by credit repair companies who promise you the moon and for what sounds like a very small fee, you get exactly what you pay for. Your creditors report your information to the credit bureaus who in turn add the information that your creditors tell them to your credit files. The three Major CREDIT BUREAUS do not work together nor do they share any information about you to each other. In fact you will be most surprised to see that each of the three credit reports will contain different information and you will have different credit scores. Credit Bureaus are independent companies who make money from you and your creditors. When fighting the credit battle it is in three different directions since the bureaus are three different companies with totally different credit files for you. Stay away from any company who does not give you their physical address, doesn't have some sort of bond or tells you they will give you a new credit identity. Changing your identity is called fraud, you will be the one committing the fraud NOT the company who sold you on the idea so be careful who you give your sensitive information to. Credit Clean does not spend tons of money on advertising. We are not looking for Quantity we would rather work on Quality. Many of our clients are referrals of those who have already used our services. We also have a broad range of mortgage brokers, RV salesmen and car salesmen who have been sending us clients for years now. When a company is good it gets embedded in the business world. Once a good thing is found word gets around pretty fast. We are not trying to make a million dollars we are just trying to make an honest dollar for the hard work involved with helping people with credit problems. We have compassion for those who want to take control of their lives again and get bad debts and credit report issues resolved. Everyone deserves a second chance and we will do everything in our power to make sure you get yours. Credit is everything in today's society. If someone tells you they don't want credit then they are either a little touched or they have a ton of money and really don't care about credit. The only people who can afford not to have credit are those who pay cash ... even so there are many things you cannot get these days without at least one credit card so credit has made it's impact on our lives you can't live with it and you can't live without it so learn how to use it. If you can't beat them join them but be intelligent about it. If you are going to make the effort to fix your credit then you should choose a company that makes every effort to help you by using the laws that were enacted to protect you. Don't choose a company simply because they tell you they can guarantee results of credit repair or those that give a false message of charging less ... most charge more since you are charged for things you are not told of. Even though there may be guarantees that can be made "The Credit Repair Organization Act" states a credit repair organization cannot guarantee anything. Look for a company who will guarantee to work hard to help you. We are bonded which means you are protected as a consumer if we fail as a business. To be bonded means we are a legal and valid business. We have been on the internet since January 1995 and have helped thousands of consumers get back on track with credit. It doesn't matter how many bad credit items a company has deleted from other credit reports ... what matters is what's being done to help your credit scores. Be choosey when it comes to something as important as your good credit. It stays with you for a long time and it is definitely hard to undue what another company has done if they do not know what they are doing. Check our references and check our rating below. We back our integrity with proof. Our only goal is to help you with your credit problems and our office is geared up to do it. All we do day in and day out is work on credit reports and credit problems. Many people are now turned down for jobs, homes, apartments and even car insurance if the credit reports are bad so the affect of credit on our lives is very real and hits home the minute you find out that you can't do something you normally would not think twice about doing. Your biggest decision should be ... do I want to do this work myself or pay someone to do it for me. Good luck with your decision and for what ever it is worth make a change in your life that will help you live the rest of it with some sort of pride and self respect. You have the power to change your life just make the first step. Your whole life revolves around your credit rating. We can help you if you want help. Below Is An Audio Of The Top Five Questions We Are Asked. 
Good credit gives you so much more control over your life and how you live it. Don't be embarrassed about your credit more than likely it wasn't your fault since most people don't wake up one day and think about how they can ruin their precious credit history. Credit Reporting Agencies give conflicting information about your credit such as "You can't get accurate information removed from your report". This statement is false. Key Word here is ACCURATE, even if accurate information exists on your credit files the creditors and credit bureaus have rules they must follow in order to keep any information on your credit file. One of the most popular reasons is that the account MUST BE VERIFIABLE or it must be removed from your credit file... this is the law. Credit bureaus will not like you getting help with your credit problems. They will try and get you to stop getting help and pound in to your head that you can do the work yourself. They will send you form letters and all kinds of things to make you think you are getting ripped off. Just for the record they send the same form letters to those who are doing their own credit repair so don't let them scare you out of getting professional help with your credit. We go out of our way to protect you as a business in business we have no reason to rip anyone off and with our fee schedules the task would be next to impossible, in fact it would have already taken us ten years to rip off the consumer... buying an orchard would have produced better results. Why would companies try so hard to stop you from trying to fix your credit? Think about it ... the advertising they to to stop this must cost thousands upon thousands of dollars? But, yeah that's right they are billion dollar companies so what's a few thousand going to hurt. Companies that don't clearly give you their address, telephone numbers or are not bonded and licensed may be in a position to do something illegal so we do advise you to watch who you do business with but this advice is for any business not just credit help services. Return To Previous Page Page Last Updated
Sunday July 01, 2007 | 
