Credit Repair Services

Bad debt bankruptcy

 

OVER 5 MILLION FILE BANKRUPTCY:

Bankruptcy Is It Good Or Bad?

Believe it or not Bankruptcy is one of IF NOT THE best way to get out of debt with little anxiety & still end up with Great Credit.

It's TRUE ... Most people do not know that once a bankruptcy is filed coming to a credit repair place like Credit Clean can clean up the mess. Raise credit scores to GOOD to GREAT averageds and can help savce tons of interest money once the work is finished! We have helped thousands of people clean up reports after bankruptcy and the credit scores go up to and even over 700 making them eligible for credit approval AND it's a whole fresh start on life... MORE ON THIS TOPIC

WHAT DOES GOOD CREDIT MEAN:

Credit, Why Do We Need It?

BAD CREDIT We DO NOT NEED

Credit is probably the only thing that we need in this country! MOSTLY BECAUSE EVERYTHING WE NEED DEPENDS ON OUR CREDIT. Why, because we are forced to be a nation that "Needs It Now". Most of us are not millionaires, we aren't even a half of a millionaire, in fact 75% of the country lives from hand to mouth every paycheck.  If we want the things that we are brought up thinking (but constantly knowing we can't live without) ... a car, a home... READ MORE ON THIS TOPIC

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DO WE KNOW WHATS NEXT:

Are We Sure Where We Are Headed?

It's hard to understand as individuals how a whole country can be in debt..

...AND it isn't just little debt it's lots of debt. Yes it is sometimes a little difficult to understand how we as consumers get collection agencies and creditors calling us the minute we miss a payment on one of our credit items when the country is over five trillion dollars in debt.  How can the government and credit institutions get in to debt and nothing happen? Not only are we as individuals watching the big companies, banks and financial institution get enormous amounts of money from the government...  MORE INFORMATION ABOUT THIS

 

Our Services
|Full Repair|Credit Tuneup|Bankruptcy Cleanup|VIP GOLD|Bad Debt Settle|Self-Help|Credit Report Evaluation|

Full Credit Repair & Credit Restoration Service.

Both Joint & Single Accounts Are Offered.

Full Credit Repair Service

A complete credit repair service aimed at fixing bad debts cleaning up credit reports and helping client understand how to maintain the good credit through education and client questions. We cover the good the bad and score part of your credit helping you with all aspect of your credit, credit reports and credit scores. This is a month to month payment service with a start up fee. Or  you an make a six month payment so as to avoid monthly payments, this is entirely up to you.  Each credit report is gone through with a fine toothed comb.  Anything that is affecting your scores or your ability to get approved for loans with good interest rates or evecn just get approved for a loan is covered under this program. Nothing is left out and while most of the work is done by your counselor/credit specialist or paralegal you will also be educated on how to do some things to help make your good credit better.  How to prepare for a loan so that you can get the very best scores and what to do to increase scores in just a month or two prior to applying for a loan. These are just a few ways you can help yourself long after using our service.  Just one point of interest can save you literally thousands of dollars.  This program is designed to get rid of or help improve each and every negative item on your credit reports.  No two reports will show the same information so we must take each credit report and do things that need done for each item on each report.  This takes time, it takes patience and it takes a lot of detailed work that we cannot even begin to explain to you.  So much is done behind the scenes while working on credit reports that when you see the end results come back to you ... it may seem easy, some of you have tried this work yourselves so you know it isn't for those who haven't IT ISN'T easy work at all.  It is NOT easy, it is frustrating, time consuming work that takes a lot of commitment and a lot of stress when doing one person's work let alone several. We take all this off your shoulders so you don't have to deal with it. Our company is designed to deal with the every day issues, we are geared up do the work so that it goes smoothly.  We work on everything from late payments and inquiries to liens, judgments, repossessions, foreclosure and whatever else you have that keeps you from getting great credit scores. Doing this saves you a lot of money, if you were to save ONE POINT of interest it can be worth literally thousands of dollars in your pocket and not in your creditors. We want this to be something you can earn your investment back while we can run a business which is why we would rather pay you to refer people who may need our help rather than advertise and pay out money to a lot of advertising companies who don't even have a clue who we are or what we do.

So, if you want the complete package, if your scores are under 600 and you haven't filed bankruptcy this is the program for you. (If you filed bankruptcy there is a program below that is designed specifically for your work so use it, it's this program plus more since bankruptcy cleanup is a lot different than just fixing the bad credit. Most people who file bankruptcy can get scores of 700 or even more just make sure to keep your credit clean after the bankruptcy and read the info below in the Bankruptcy Cleanup Service. The Full Credit Repair is the most popular because of the amount of work that can be done and the amount of score you can gain.

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The Fee For The Full Credit Repair Service is as follows:

SINGLE ACCOUNTS:

  1. The Initial Fee for a single account due at the time you start your program is $325 this includes your first month of work which is the most demanding of the work we must do.
  • The monthly fee for a single account is $135 that is paid on the first of each month and is late after 5th of each month. This program is based by the month, credit reports could take up to 35 days to come back but work is being done throughout each month for each client.  The average amount of time this program takes is six months although some people have been here longer and some shorter periods of time. You must give 30 days notice before stopping this service. It's an agreement service not a contract service so you have the right to say when you think you are finished. Your Paralegal will tell you when they think your reports are clean as well. Average score improvement is 100 points to 250 points, depending on your credit reports and how long you let your paralegal work for you. This is our Top Shelf Program. Go below for fees if paid late information. There are NO other fees but these for this program but paying late and/or a check coming back to us would cause a fee over and above the ones listed here. We want you to do everything right with us it will help when you are back out there in the real world as you have to do things right there too. We NEVER report your credit good or BAD to any credit bureaus and never will!

JOINT ACCOUNTS:

  1. The initial Fee for a joint account due at the time you start your program is $550 this includes your first month of work which is the most demanding of the work we must do.
  • The monthly fee for the joint account is $250 that is paid on the first of each month and is late after the 5th of each month. This program is based by the month, credit reports could take up to 35 days to come back but work is being done throughout each month for each client.  The average amount of time this program takes is six months although some people have been here longer and some shorter periods of time. You must give 30 days notice before stopping this service. It's an agreement service not a contract service so you have the right to say when you think you are finished. Your Paralegal will tell you when they think your reports are clean as well. Average score improvement is 75 points to 250 points, depending on your credit reports. This is our Top Shelf Program. Go below for fees if paid late information. There are NO other fees but these for this program but paying late and/or a check coming back to us would cause a fee over and above the ones listed here. We want you to do everything right with us it will help when you are back out there in the real world as you have to do things right there too. We NEVER report your credit good or BAD to any credit bureaus and never will!

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Credit Cleans Credit Tune-up Service.

Both Joint & Single Accounts Are Offered.

Credit Tuneup

This is also a complete Credit Repair Service however; the difference in this program and the Full Credit Repair Service is that this is for those who have credit scores over 600, have ninety to one hundred twenty days to get scores as high as possible to buy a big ticket item such as a home or automobile. We do the same type of work as the Full Credit Repair so you are getting a very in-depth program we just have a start and end date, flat fee instead of monthly, scores have to be 600 plus and you should have at least 90 days to let us do the work you need done. If you are planning to purchase something that costs 20K or more then this is the program for you.

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The Fee For The Credit Tuneup Service is as follows:

SINGLE ACCOUNTS:

  1. There is really only one fee it includes everything in one payment:
  • The flat fee for the single credit tuneup is all inclusive for $498. There are no other fees due to credit clean for the rest of the program. This lasts from 90 to 120 days depending on how quickly the credit bureaus return your updated reports to you and how quickly you get them to us. This is the same type of service as the Full Credit Repair but shorter and less intense as it's meant to clean up as much negative credit as possible in the first ninety days and your credit scores must at least be 600. So one time $498 up to four months of work. 
  • Go below for fees if paid late information. There are NO other fees but these for this program but paying late and/or a check coming back to us would cause a fee over and above the ones listed here. We want you to do everything right with us it will help when you are back out there in the real world as you have to do things right there too. We NEVER report your credit good or BAD to any credit bureaus and never will!

JOINT ACCOUNTS:

  1. There is really only one fee it includes everything in one payment:
  • The flat fee for the joint credit tuneup is all inclusive for $755. This covers two people for up to four months or three rounds of challenges for the one flat fee listed above. At least one person has to have scores of 600 or better and the person who is not close to the 600 score may not get as much improvement and may have to use another program to get where they need to be. If you are just looking to get the one score as high as possible while using the higher score as the one used for the financing then this would be okay, otherwise you should both use the Full Credit Repair since one person who is finished changes from a joint account to a single account. Saving you money that way rather than both of you using the Credit Tuneup up and one person not getting the scores they want.  The other option would be for one to use this program and the other use the Full Credit Repair so that afterwards they still have help coming to them to get the rest of the work done.  Whatever method you use is fine just make sure you know the differences for the person whose score is not up at 600 or better.Go below for fees if paid late information. There are NO other fees but these for this program but paying late and/or a check coming back to us would cause a fee over and above the ones listed here. We want you to do everything right with us it will help when you are back out there in the real world as you have to do things right there too. We NEVER report your credit good or BAD to any credit bureaus and never will!

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Credit Cleans Bankruptcy Cleanup & Credit Repair Service.

Both Joint & Single Accounts Are Offered.

Bankruptcy Cleanup Credit Repair Service

 

This program is designed to work with credit reports that have been through bankruptcy. When filing a bankruptcy you have made a decision to go in a direction to stop all creditors from not only bothering you but to stop all the debt from increasing and to stop any other liens and judgments being sent to you sometimes weekly. The reason for bankruptcy in most bankruptcy cases is that people just get overwhelmed and get to the end of the rope... so to speak. If you have fallen on hard times the only way to get out is to file bankruptcy so that you can either get out of all the money owed which is called a chapter 7 OR file a chapter 13 that reorganizes your personal debt so that you pay back only part of the money owed, all fees and penalties will stop the minute you file, the trustee will set up an amount you must pay back to each of the creditors (usually around 33 and 1/3% of what you owed) then you are given three to five years to pay this amount back.  The total amount of money owed is divide into the amount of months and that gives an amount you pay to the trustee which they in turn delve out to all your ex creditors. The chapter 13 takes time before it's discharged whereas the chapter 7 and all done within approximately 90 to 120 days from the date it was filed. Either bankruptcy can be cleaned up and the one thing that most people do NOT know about bankruptcy is ... it was meant to give you a fresh start, no debts owed after it's discharged so you are out of debt to start again. BUT for most they think this is all that has to be done when in fact if you do not clean up the mess associated with a bankruptcy filing you could wait as long as 7 to 10 years to get credit established again. This is NOT how it's supposed to work and if you do come to Credit Clean and let us help you we give you the very best help in this type of situation. All those accounts you had counting against you are still going to be counting against you until you have someone clean up the mess. Your creditors are not going to do this for you. Your bankruptcy attorney does not do this for you, it's something you have to do as an extra part of your bankruptcy decision. The positive note here is that you saved thousands filing the bankruptcy, now if you clean up your credit reports you will have saved thousands and then saved thousands more by being able to get good credit again (usually credit scores go up to around a 700 plus after we work on the reports) so you will immediately be able to get credit and to get good interest rates so you will be saving even more. There is a special way that accounts filed in bankruptcy need to report and if that is not done then the scores will remain low, you still look like you are thousands of dollars in debt and you filed a bankruptcy still showing you are thousands of dollars in debt.  In a nutshell your reports should show everything "UNRATED" with the only negative being the public record item that scores against you the same as a charged off account. So you should be going from 10, 20 or more negative items to ONE and that is what bankruptcy cleanup is. This does take a little time but no more time than the Full Credit Repair normally between 6 month to 8 months of work so .. you file bankruptcy, it's discharged in about 90 days, you hire a company to clean up the bankruptcy, it's cleaned up in about 6 months which means you have good credit again before one year and that is WITH FILING BANKRUPTCY.  This isn't a too good to be true thing, this is a KNOW THE LAW and get the work done thing.  We have helped thousands over the last 15 years get back credit that was better than credit they had ever had, the more good credit you had before the bankruptcy the better scores you will have but even those who had very little credit before bankruptcy still get the same chance to start over with good credit scores. We then show you how to build on that so your scores go up each month.  It's not a magic trick it's knowledge and knowledge is power. With a bankruptcy clean up we are also doing credit repair work too so it's like two things being done at one time. It's a whole complete program based on two different processes to clean up and repair your credit reports.

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The Fee For Credit Cleans Bankruptcy Cleanup with Credit Repair is as follows:

SINGLE ACCOUNTS: bkcleanupfees

  1. This program is set up on a monthly fee basis with an initial start up fee that is paid only once and it covers the first month. For single accounts the initial fee is $345. Most of the research work is done in this first month making it the hardest part of the job along with setting up your account and getting things together that should be done before the challenges begin to go our to the credit bureaus.
  • After the initial fee you will then go to a monthly fee of $150 for each month after the initial month.  If you begin the service prior to the 15th of the month then your next monthly payment would be the following month, if you start on the 15th or after then the next monthly payment would not be due until the month after the following month. For example: you started the service on January 1st through the 14th you next payment would be due February 1st and would be late after the 5th of February. BUT if you started the service on the 15th through the 31st your next payment would not be due until March 1st.  All payments are always due on the first of each month for bookkeeping reasons and we make it as fair as possible by using your date of starting the service to make your next payment due date. Then each first of the month you have a payment due. There are only extra charges for any of our services IF you either make your payment late (payments are considered late after the 5th) or (if you give us a check that is returned) Go below for fees if paid late information. There are NO other fees but these for this program but paying late and/or a check coming back to us would cause a fee over and above the ones listed here. We want you to do everything right with us it will help when you are back out there in the real world as you have to do things right there too. We NEVER report your credit good or BAD to any credit bureaus and never will!
  • So to put this in simplified terms you start the service with an initial fee of $345, then monthly payments are $150 due on the 1st of each month and late after the 5th.

JOINT ACCOUNTS:

  1. We offer this service as a joint account so that there is a savings if there are two of you using this program at the same time. The only requirement is that you both have the same proof of address for the same address. It can be friends, spouse, companions just living at the same address.  The initial fee for the Bankruptcy Cleanup Credit Repair is $615 ONE time only which also covers the first month. Again, MOST of the hard part of the work is the first 45 days so the initial fee is covering a lot of things that have to be done to get the rest of your work finished in a timely manner.
  • The monthly fee is then $270 a month, due on the first of each month and considered late after the 5th of the month.  If you were to do this program as single bankruptcy clean up programs doing it jointly saves you $75 on the startup fee and then saves you $30 per month which comes out to a good deal of savings if you have the opportunity to do a joint account.  If one is finished before the other in joint account setups we convert the joint account to a single account so that you are not paying for two people when only one person needs help.  Sometimes it happens that one persons reports for some reason clean up really quickly while the other persons reports do not. We don't have control over the time it takes only over the  knowledge and experience we have to offer you. The only extra fees that are EVER charged to a client more than what is given here is if you send a check that is returned or if you make your payment late. All payments are due on the 1st of the month and considered late after the 5th so be aware as there are no monthly notices at this time. Go below for fees if paid late information. There are NO other fees but these for this program but paying late and/or a check coming back to us would cause a fee over and above the ones listed here. We want you to do everything right with us it will help when you are back out there in the real world as you have to do things right there too. We NEVER report your credit good or BAD to any credit bureaus and never will!
  • So to put this in simplified terms you start the service with an initial fee of $615 due at the time you start the service. Then your monthly payments are due on the first of each month $270. All payments are late after the 5th of each month and late fees do apply. 

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VIP GOLD MEMBERSHIP

VIP Gold Monitoring ServiceBack To Top

This program is still being put up. It should be showing soon please check back later Go below for other fees

DEBT SETTLEMENT PROGRAM

Bad Debt Settlement HelpBack To Top

This program is still being put up. It should be showing soon please check back later Go below for other fees

BANKRUPTCY FILING HELP

Bankruptcy Filing HelpBack To Top

This program is still being put up. It should be showing soon please check back later Go below for other fees

SELF HELP CREDIT REPAIR

Self-Help Credit Repair With Live SupportBack To Top

This program is still being put up. It should be showing soon please check back later Go below for other fees

CREDIT REPORT EVALUATIONS

Evaluation Of All Three Credit ReportsBack To Top

This program is still being put up. It should be showing soon please check back later Go below for other fees

 

 

 

 

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EXTRA FEES ARE CHARGED IF YOU PAY LATE OR A CHECK RETURNS:

The charge for a late payment is $15.00

The charge for a check returned is $35.00

NOTE: If a check returns for a payment other than the initial payment then there will be a late fee of $15 due plus a check returned fee of $35 for a total of $50.00 owed when the payment is applied again.  If you send a check that is returned on the initial payment, Credit Clean may ask that you not use the service any longer. We have too many people who are trying to be clients and can't because we have no room for them. They have to wait and it's not fair for anyone if an initial payment comes back as unpaid. We hope you understand this and why we have to do it. Also, when you sign up we may have to put you on a two week wait "if we don't have room for you at the time you start" we will notify you immediately.  We will not push through any payments you have made on your initial payment until we have your account activated. You may also contact us first if you want to make sure you can start now or given a date you can. It's never longer than a couple of weeks. This does happen very often but we want you to understand it could happen. If you have signed up and gotten all your things in to us you will be the NEXT person to start.  If it comes to a point where a person would have to wait more than the two weeks to get started because of the amount of clients we have then you will see in big letters "WE CANNOT HAVE ANY NEW CLIENTS ADDED UNTIL" and it will give a date. We will not make anyone wait longer than two weeks to use any of the programs that require a credit specialist/paralegal. We thank you again for choosing us and hope to get your work done as soon as possible and help make your life a whole lot easier!

 

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