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Frequently Asked Questions
Frequently Asked Questions
On my journey to creditworthiness, I stumbled across a variety of questions of my own apart from those our clients typically come up with. We've compiled a list here and answered them. It should explain away some of the urban legends attached to credit repair, collection agencies, consumer rights and the correct way to dispute items if at all. If a question is not listed here we ask our visitors to drop us a line and if it's a good question, we'll add it here. We ask visitors and clients to help keep our community informed.
**The following is intened for discourse only. We are not legal professionals and can not give legal advise. If you believe you need a lawyer, contact the Bar Association of your state and ask them for a refferal. We have the links for Florida in the Consumer rights & Links page**
What is the total cost month to month? The total cost is the amount of the package you choose. We don't have; "hidden", "enrollment", "special", "one-time", "over and above", "file creation", "processing" or any other type of fee.
Example: If you are low income verified your monthly payment will be $35 dollars.
What is included in my package and why is it important?
All items such as credit inquiries, names which are deemed erroneous either due to misspellings or variation. Addresses which don't belong to a client, public records which are included in a file in an inappropriate manner, telephone numbers and employers which are wrong. When we mean everything included, we mean everything which is deemed erroneous information. We don't charge extra for any of these.
Does your lowest quote guarantee apply to low income, fixed income, and military pricing?
No. We are the only firm with special pricing for these individuals, as such the pricing is already the lowest in the industry.
Why do you require a DOD I.D. or DD214/DD215 form?
We are a nonprofit and are not federally funded. We are not a 501c3. We offer our discounts because we believe it is right. However, we do have issues where people applying under military do so without the ability to back this up. We support veteran initiatives and will not tolerate so called "stolen valor". ID photos may be covered but we require name & address matches. We will also accept VA letters or VA card I.D.'s. Documentation must be current.
I receive TANF, SNAP or other food assistance programs, including partial living assistance, does this qualify me for low-income pricing?
No. Low income verified must be verified by documentation from the social security administration, is made available for disabled, (partially or completely) disabled persons. TANF or Snap or ACCESS assistance is not a qualifying factor in the determination of low income.
Why not pay per deletion?
This is actually a system which costs a clients more. A payment for one item doesn't seem like much but when you multiply the item across reporting bureaus, it begins to add up. Companies and individual operators know this, so while it sounds appealing it will cost upwards of 100 to 300 per month for just 3 items in 3 bureaus.
With us, you pay your package amount and we'll submit multiple disputes in your file to each Credit Reporting Bureau. While we can do this, for best results we recommend up to 7 items at once, but we can handle up to 25 items in a single claim.
I left a review for someone else by mistake!
We have become aware of this and are working to correct it with Google® and Bing®.
In the meantime make sure the spelling is correct when you want to leave a review.
A good thing to remember is that our Google® listing has our name in parenthesis and features LOWEST COST CREDIT REPAIR in the description.
Google reviews fluctuate for your site, why?
We have a spam/troll issue with rival local businesses, they post fake negative reviews for us and fake positive reviews for themselves. Google removes them, so this is why our score fluctuates. We ask our clients for common sense here, besides our competitors are chicken shit, powder puffs, they don't hurt us because we are transparent.
How can you do more while other companies do less?
All reporting can be done in bulk. Best results generally come in smaller batches but it isn't necessarily the standard. True methodology does not come with the number of items disputed but rather the manner in which they are disputed. Most companies reduce the number of disputes per month to keep a client locked into a contract. They use the ancient system of letter disputes (lawyers use slight intimidation tactics such as escalation letters—not proven to work, ) We don't employ any of these outdated marketing strategies. Give the best most complete service at the lowest cost nationwide, that's our strategy.
Why don't you have Credit monitoring?
Credit monitoring is not offered by our firm because it would mean the hiring a third party at cost. In order to fulfill this cost, we would have to raise our rate. Besides credit monitoring can be achieved for free, by our clients without 3rd party cost.
Your Google listing has you at open 24 hours, is this accurate?
We work all day, a good 14 hours. You can reach us by email or phone. After 6 pm, we put the phone on a VOIP service but will take calls for clients in different time zones as needed. This system works for us and keeps us from suffering a psychotic break, thanks for understanding. However, if you are the compulsive type that absolutely MUST take care of the issue on the spot, feel free to call us multiple times until you drag us out of bed and have us file for you. We go to extremes and all that but for fuck's sake don't wake me up to ask me a question.
My score went up 50 pts then took a dive for 80. Is this normal?
Yep. You can thank the Vantage score for that. The model is a sensitive, fickle thing. Remember we don't promise or predict scores rising in any particular fashion (nowhere on this site will you find this crap written) we just remove information. What the score does is up to the people who developed it. Many company's and stupid people promise that bullshit, we don't because it is not based on fact.
Why do you guys make such a big deal about what other companies do? We have the right to conduct business same as you do?!
charging up front, under any guise whatsoever, is illigal. Compete fairly.
How would I go about removing a lien from my records if it's been paid?
Once the lien has been satisfied (paid) you would need to go and call or visit your local registrar of deeds or probate office. We are not qualfied to give legal advice. Please consult an attorney.
What is a lien?
A recorded claim of debt against ones property. Common types of liens are Tax Liens, but there are many types.
Do evictions appear in credit reports?
They may. Evictions and other court proceedings may appear under "Public Records". Never trust a company that promises they can remove everything, not everything can be removed. If you have public record issues, each issue should be examined on its merits and go from there. Some can not be petitioned for removal but a professional in such matters is always advised, and we are not.
What is a blanket dispute?
It is a term used by idiots who don't know what the FCRA compliance means. Blanket disputes are usually disputes that "blanket" or generally cover all information in credit files in one big dispute. This is as stupid as it sounds, and a good way to get your file flagged. Avoid blanket disputes or anyone that suggests it in any euphemistic language.
I know i have identity theft issues, what should I do?
Contact your police department and file a police report immediately. Contact the FTC and file it with them. Next call the Credit bureus and speak to them about it. They will freeze your accounts posthaste. (Means fast). They will notify all lenders on file that identity theft is reported. You may have to call all 3 bureau's even though they share the fraud alerts and identity theft reports. During this time, hunker down but make yourself available. You may recieve affidavits by mail, fill them out and send them off. This process takes time but they will hustle. Identity theft is on the rise and if you move fast you may be even able to help catch fraudsters in action, which is pretty cool.
I was a victim of identity theft. I have mortgages reported and have never owned a home! What do I do?
The first thing to do is to contact TransUnion, Equifax and Experian, report it to them and issue a fraud alert immediately. If you have a police report (you'll need one) give them this information and they can extend the alert, freeze your accounts and generally stomp down on it. Then contact each lender that appears in your reports (even if they aren't yours) Report it to them, if they ask for the police report, share a copy (keep originals). Make yourself available to answer questions from investigators. Individuals which are victims of fraud are not to blame for this, but they are responsible for reporting all instances and taking the necessary steps to protecting their files.
Why do you push Equifax products on your site?
We don't endorse any CRA, but since Equifax royally screwed more than 145 million people, I figure it's the least I can do. I push everyone (affected or not) to visit lockandalert.equifax.com and lock their files and sign up for monitoring. It's FREE for life.
I love that you guys go out to toxic companies and slap them with their lack of compliance. When do you foresee an end to this?
Honestly, when I the lottery. Then I'll probably settle down in the keys, buy a boat I can fix up for fun, host wild bacchanals where drunken debauchery is never frowned upon (God bless the Conch republic), write my novels (I'm a published author in my private life) in peace and sell this enterprise to some crazier crew who'll keep the standards of my ethos alive for millennia. Lacking this, I'll stop doing it the moment the Congress finally passes a law outlawing under criminal penalty the charging up front of CRO's under any guise whatsoever and approves a standard pricing list for across the board services. Once that happens, I'll use my energy in other endeavors. So our advocacy is expected to come to a stop when abuse stops, which is currently estimated to be around the same time that hell freezes over, give or take a few days. (Biblical Hell, not Hell, Michigan. That one already freezes over)
What is the difference between "tax write off" and "debt transferred to collections"? A write off is when the original lender decided to write off the default and take a loss. This can also appear under The title "profit loss". When it reads "transferred to collections" it means the lender did not write off the debt, instead sold it or otherwise contracted a collection agency to try to recoup on the loss. As always, this does not mean that one is absolved of their obligations to repay on a defaulted debt. For more detailed info call the collection agency youself.
Which is the best way to contact you guys?
CALL US. You may reach us live, or if we are in a conference (which we usually are) leave a message. We return all calls if they are received before 4 pm EST same day. An email or multiple emails don't do much but confuse the order.
Why did my perfect score drop, I don't owe anything and pay on time. (the question was taken from Credit Karma Community) Depending on which model you are seeing your score, it would explain the answer. Credit Karma uses the Vantage Score model 03. It is sensitive to minute changes on their end. The famous FICO which is used by Experian is better at holding true, but good luck in getting it for free. Fair Isaac is notorious for charging for it.
What is your founder's astrological sign?
Scorpio. Not surprising, eh?
Do payday loans appear on reports?
Oh, lord yes. These may be categorized as STL's, or Short Term Loans.
Does a late payment affect your score immediately?
No. Usually, one late payment does not if you take care of it before 30 days. If it is more than 30 days late, then yes it will be reported.
Can I pay prior to speaking with an agent?
NO! The billing setup page is for enrolled customers only. Do not pay prior to calling us. We do not get daily notifications from our merchant bank if we did we'd hear a bell going off every 30 minutes! Do not pay without speaking with us, because then we have to stop our work, go to the bank and issue a refund. It slows our day. Please call us, email with a telephone number and best time to call. Together we decide if we go forward.
You turned me away, why?
Because we could not help you out. We turn away business when it is the right to do. While we understand how frustrating this is, not every credit issue is something we can do something about. We will point you in the right direction if we have an answer for you. This is how we maintain ourselves transparent. Maybe we can help, maybe we can not. We need to follow the FCRA to the letter.
You helped me out, may I pay you for your time?
We can not accept monies for work not performed. No work, no money. This is the nature of the business. Note: We comply with federal and state laws for transparency in commerce.
Will you accept tips?
No...wait, Cuban cigars don't count as tips do they?—better not risk it! No, no we do not.
Where can I monitor my score?
There are many companies which will provide credit scores for free, including updates and other resources. They are accessible through online portals and also through mobile apps. An example of this is Credit Karma and Credit Sesame. These and other free credit monitoring apps can be downloaded or accessed online.
What is Tier 1 credit?
tier 1 credit is the name given to scores above 700. Just another way of saying excellent credit. Tier 2 would be a score lower, maybe between 640 to 690. Tier 2 credit means average credit.
How do I share documentation from creditors or credit reporting bureaus with a clean slate credit consultants?
Email or postal mail only. We do not recommend transmittal of sensitive documents by facsimile. Usually, when you begin to receive information, letters or other documentation from original creditors and/or credit reporting bureaus, a simple call to us is enough. We make an annotation of the file and secure it on the cloud.
What exactly is a soft inquiry?
An inquiry that doesn't affect your credit score.
What does 3 bureau multiple disputes mean?
Our pricing includes disputes in the top 3 credit reporting bureaus (Experian®, Equifax®, and TransUnion®.) Basically any and all erroneous information/items in each reporting bureau.
How many items are disputed at once?
All items which are deemed erroneous.
How long is the contractual term for?
6 months, approximately 180 days.
What does A Clean Slate Credit consider a successful dispute?
30% of corrections is considered successful to meet our criteria. However, results have shown (results based on past claims) that a 78% change is possible. No one can predict accuracy.
If I wish to extend the contract, how can I?
If at the end of the term, clients wish to extend the contract, they must resubmit it to our secure server, with an annotation to the file wishing for an extension.
Can I truly Cancel at any time prior to the 6 months completion?
Yes. The Credit Repair organization Act stipulates that a client may cancel any time for any reason. Cancellations must be mailed in, in accordance with state and federal law.
Military veterans and active servicemen & servicewomen, explain this? Veterans and Active military personnel will always have reduced pricing. These men and women perform duties for our country and embody the meaning of liberty. We stand dedicated to them and ready to help any way we can.
What does military family include?
Spouses, mothers and fathers and mothers in law and fathers in law of soldiers. In the eventuality that a veteran/soldier is not married, widowed or divorced, we will extend the courtesy to siblings of the veteran or soldier only. We will only extend veterans who were "honorably discharged" access to our pricing.
Low-income individuals can verify their status in which manner?
With a photocopy of a drivers license or state issued I.D., documentation that specifies section eight housing, TANF, Living assistance from government agencies or subsidies, or other official and or certified or notarized forms. Please call and speak with an agent about what documentation is acceptable and why.
What types of documentation will you accept from Military clients?
We accept a standard military I.D., a Department of Defense I.D. (must be current) and/or Honorable discharge forms (DD 214 or corrected and filed DD 215) including General discharge under medical (honorable) general discharge under special grounds (honorable) honorable discharge under general.
** We do not accept bad conduct discharge, dishonorable discharge or entry-level separation discharges. We do not accept petitions to waive these conditions, as it would draw our resources and consume our time. This pricing is offered as a courtesy and not as part of federal mandate as we do not receive funding or grants.
What types of documentation will you accept from low-income individuals?
Section Eight Housing documents (filed and current) or other pertinent documentation. *We do not consider food assistance, SNAP, TANF or any other assistance from state or government agencies to qualify for low-income pricing. Again, this is extended as a courtesy and not part of a federal mandate as we receive no funding or grants.
What languages do you speak other than English or Spanish?
Esperanto, slang and some jive. For those not familiar with sarcasm, this is what it looks like.
Do you guys think you're funny?
No, we think we are honest. Competitors including you should try it sometime.
I left a message when I called, how long do I have to wait to hear back from you?
Depending on if the message was left before 4 pm EST, we call back the same day. On rare instances when we are caught up (happens) calling a client back takes between 10 and 30 minutes if we don't pick up.
What are your actual business hours?
We are open 24 hours a day, 360 days a year, except Christmas eve/day, Thanksgiving, God Friday, Easter Sunday and our founders birthday. We have clients across the U.S. and in different time zones. We are on call to accommodate them.
We call each person back and speak with them, a consultation takes about 30 minutes but can also exceed 1 hour depending on history. We ask for patience here since each client is treated with the same diligence.
Conversely speaking we are not callback pests. We will try to reach a prospective client by telephone no more than two times (2). If this fails we will send an email with a choice between (3) teleconference dates that should be adequate to permit consultation. However, if no reply is registered, we do not call again and we not do email. Our volume does not allow us the luxury of multiple calls. If a contract was received it remains on file for two (2) years from the receipt date, even if the individual is not a client. This is done to comply with Federal law.
I called you but didn't leave a message, will you still call me back?
Sometimes we will, however, a message is important because it lets us know a little about the person or situation before we go into a teleconference.
What is an E.I.N.?
An EIN is an Employer Identification Number. It's like a social security number for corporations. It identifies a business and helps it track spending, pay taxes and open bank accounts. It also is used to build credit for companies, that's all it is. Someone got the bright idea to suggest them to people with really bad credit, but it doesn't work.
An EIN is usually suggested because people believe falsely that debt can be hidden by it. This is patently absurd. I think the idea comes from Business Credit vs. Personal Credit. In some instances, personal debt can be transferred to a business account and paid off. This is a sticky issue but not an illegal one. It would involve a business card that allows for balance transfers and repayment options, usually at a fixed lower interest rate. By transferring personal debt to a business card, the debt will not show up in a personal capacity so long as it is being paid. The best way to go when considering any type of endeavor is to talk to a tax expert or attorney. I've known people who have transferred debt but they didn't stop paying for it. As for EIN' s, it can't be done. It's world-class bullshit.
What is a Credit Privacy Number?
AKA a one-way ticket to jail, this is a number which is 9 digits (like an SSN) but is used in place of an SSN. The idea is that if you have abysmal, horrible credit you can get one of these and miracle your ass to a better score. It's bullshit though. Credit Reporting Agencies (Credit Bureau's) don't recognize them and furthermore have security measures in place to spot and flag people who do. Don't get suckered into this scam, and that's all it is; a scam. If you have legitimate problems which at not erroneous or fraudulent, we recommend contacting your creditors directly and coming to a repayment agreement with them. You could also hunker down for 7 to 10 years and ride out the harassing calls, letters, and possible lawsuits.
Can collection agencies garnish my wages?
The answer is: not a snowball's chance in hell. Collection agencies have an arsenal of tactics at their disposal: threats, harassing calls, etc., but they can't garnish your wages without a) a court order or b) your permission.
Collection agencies need your permission to invade your privacy, sounds silly but it's true. Don't want them to call? Tell them not to call you. They stop calling. The letters won't cease though, but letters don't speak and they can be used to line bird cages. Collection agencies are just one more part of the debt/credit process. Sure, they are low life scum bags, but it's a job dude.
Garnishment can and usually is done by court order of federal mandate. The dept of education can garnish wages and take tax refunds to satisfy part or all of outstanding student debt (and interest accrues during this time). Some private lenders can also sue you and win a garnishment but while it happens, don't expect it to happen for $50 or $500 bucks in debt. If you owe $20,000 maybe. $50,000, probably and $100,000 or more it's assured.
When in doubt ask a pro, or you know, Google it.
If you file fast will I get my results faster?
Yes and no. We file fast so you get confirmation faster than you would by conventional postal mail (or certified mail, FedEx, UPS, etc.) This doesn't mean you'll see results faster or quicker. It just means it won't be at a snail's pace. We turn disputes on the fly, but it won't speed you towards a result faster. We are still constrained by the law, which takes between 30 to 45 days respectively. However, by online transmittal, you don't get to twiddle your thumbs or pay through the nose a few months before you see anything. We are the only company that tracks Metro 2 software updates and transmit over secured servers and spends money to make magic.
Will you accept a quote without being officially copied on it?
Official quotes must be verifiable. We have to stand behind this one, our pricing is already the lowest anywhere for comparable service.
Only verifiable quotes will be accepted.
Your founder worked for Amazon.com, is this company part of Amazon.com?
Absolutely not. Our founder worked as a contractor for Amazon.com. This organization is of his own ingenuity and enterprise, notwithstanding any business practices that may have influenced him.
Don't get bullshitted!
Don't get bullshitted!
meet the small business that's changing the industry
meet the small business that's changing the industry
pay less. get more. start over...
pay less. get more. start over...
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Click Here to Add a Title
Can your firm remove inquiries?
No. We can not remove inquiries from files, inquiries stay on a file for about 2 years. They account for about 10% of a score.
Can you update names & other personal information?
We can not update names on files, however, we work with our clients to achieve these edits.
Why is my account frozen?
Often times, a file is frozen because of a security measure. They may be specified or may require a call to see about removing a freeze.
Should I sign up for Credit Reporting Bureau's online access and pay?
Credit Reporting Bureau's make their profits selling data, they also do so protecting your data. I personally believe consumers can safeguard their information for free with different methods, but paying is always an option.
Why do Credit Reporting Bureau's ask for my credit card information?
To bill you. As identification, it doesn't do much. If anyone asks for card information, it is to bill you. We never do, nor will we.
What does it mean when I am told a file is "null"?
A file that is voided or nullified (null), can be marked as such if no information is found on the file. Usually, this is seen in disputes.
Credit is a system of usury, the idea is to profit from interest and track payment history.
Who should check their report?
Everyone with an interest in staying on top of their finances.
Who should place an alert on a file?
Anyone who feels fraudulent activity may be at play.
What an alert means?
An alert means additional security countermeasures are added to a file. Any attempt to gain credit will result in more security checks before it is granted.
How long an alert lasts?
Individual alerts last 90 days, for military personnel alerts may last 365 days. With a copy of a police report, alerts can last from 2 years to 10 years.
Why checking your file regularly is important?
Because fraud can happen, errors can happen, life happens.
Why online filing is better than mailing disputes?
Anything that saves time & money and is a model of efficiency is always good. Other companies mail disputes because it is slow and inefficient, but means a bigger bottom line. Slow means more money, fast means happier customers. To us, it's a no-brainer.
Standards for collection agencies?
Collection agencies have no standards. They buy debt low and collect on debt high. It is about money.
What it actually costs by pay per delete model?
An arm & a leg. PPD, is an outdated model akin to using the $9.99 strategy to produce a psychological response. It seems low but is more costly because it is achieved across bureaus.
Set up fees & maintenance fees?
Set up fees = bullshit fees. Maintenance fees are also called monthly fees to maintain a firm working on a file.
Why some credit repairs don't list pricing?
This is usually done for a few reasons. Firstly to draw a customer into calling and being "convinced" and also to allow themselves leway in fixing costs. It is illegal not to list pricing. The FCRA & the CROA demand it.
Why some credit repair don't link out, or provide laws?
Probably fear of losing clientele, not sure. We don't believe in limiting knowledge, we link out up the ying-yang.
Why do people think they need a lawyer?
Because they don't know enough about their rights. We provide all the rights consumers need without editing. A lawyer is not necessary at all unless you want one.
Why lawyers go into debt consolidation & collections?
It is a high yield low-risk enterprise. Lawyers love money like fat children love sweets.
Who buys a debt and why?
It costs little to gain on much. Debt is a biiiiiiig business.
Why banks operate at a loss?
Banks lose millions of dollars to debt, however, it is a risk because the earnings on interest alone are in the billions. In layman's term, it's worth the stretch.
What does the Equifax breach mean in real terms?
147+ millions of people are royally fucked. Again, these are layman's terms. Some would say: impacted by the data breach of 2017 by ungentlemanly fellows, but that would be bullshit.
Who needs to lists consumer rights?
Any company or business operating a credit repair or debt consolidation company. We provide unedited links.
Who needs to know their rights?
Everyone not living on Mars.
Why are we flexible?
We are owned & operated by humans.
Why we operate at a loss?
Sometimes one has to lose in order to win. We understand this.
What we mean to our clients?
A serious company with a sense of humor that gets things done.
What we mean to our competitors?
The party is over.
What our clients can do to help our grassroots?
Spread the word. Share our ads. Help us kick ass.
Where do you get your inspiration from for your ads? Lots of places. Most are products of our founder's imagination. Inspiration is also taken from MAD magazine, the Economist, The Wall Street Journal and Penthouse magazine, which we read for the, uh articles.What the Latin on our site means and why it is there?
Vox Populi, Vox Dei = The Voice of the People, is the Voice of God. It means give people what they want or suffer the consequences. It was used by a political movement called the Whig party, but has been around since the 12th century AD. It is relevant to us and is there to remind us who and what we serve.
Part of our historic collection of ads, here we have the mean Corsican, Emperor Napoleon Bonaparte, extolling the virtues of ability and opportunity. We would like to remind our visitors of the opportunity to learn their rights and never pay out the Waterloo. Get it?
Know your rights before you pay
Know your rights before you pay
No one does advocacy like us. No one.
No one does advocacy like us. No one.
Our Competitors make us look great...
Our Competitors make us look great...
Roaches; evolutionary perfect yet still, creepy, crawly, ugly little bastards. Our competitors too, have been evolving, but there is nothing noble of this evolution. They lie, troll, cheat, rob and misinform the public. We don't care who anyone goes with, so long as they know their rights. Period. Concept ad 2018 image shout out to www.insightpest.com
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Click Here to Add a Title
Do you have a legal team?
A Clean Slate Credit Consultants Corporation is represented by legal counsel, however, the firm does not offer legal aid or advice to its clients. For legal aid, advice or consultation, clients are advised to speak with legal professionals.
How many companies exist out there with names similar to yours?
At last check, we have identified 4 companies with names similar to ours. However, these can be easily identified by their lack of consumer resources, exorbitant pricing, "special fees" and wording. By law, no person or company can make a promise that cannot be authenticated. Under the false advertising clause of the Credit Repair Organizations Act, those who make false claims can be defined as engaging in misleading business tactics. Yet, again and again, our research has shown that wording—implied and misleading—is used throughout many of these sites. Furthermore no consumer rights are listed, no links, no mention of oversight. All sites that claim to be "experts" should know the law.
In regards to our business name, We cannot claim ownership over words—our company name is made up of words in the public use—indeed in the lexicon of language. However, slogans associated with business can be protected. Our organization is unique not in its name but in the services we provide under it.
Why do you use 2 domain names?
To eliminate fraud by competitors and others wishing to benefit from consumer confusion. We own the .org and the .com, both route to the same site so it doesn't matter which you use to access us.
How long do I have to wait to see results?
Results should begin to show up roughly 30 days after we initiate your file. For optimum results, we recommend anywhere from 3 to 6 months.
How long does it take to get confirmation (proof of your work)?
How fast is your network? Usually between 2 & 5 minutes.
Other companies advertise quick and easy methods, how accurate is this? It is not. Anyone who claims this is quick or easy is wrong. Nothing is quick and easy. This is usually a sign of an amateur, a scam or complete lack of professionalism.
I've heard about the creation of a new credit identity, or a so-called segregated file. Is this legal?
It most certainly is not. No one can create a new identity much less to hide debts. This is a federal offense. Whoever claims they can do this should be reported to the FTC and the FBI.
I have heard of credit repair steps other companies use, do you use them?
No. Each company works according to their business model. Some charge per deletion- per bureau-per month. Others choose per item across credit reporting bureaus and yet others will only work with easier credit reporting bureaus. Some companies use steps, kits, plates, and other wording to describe their services in a specific order or simply to stand apart. We use steps when we walk, and plates when we eat. For our services, we don't dress up the process or charge more for so-called "extras".
I was told about a "credit sweep", what is it?
A lie. A straight-up marketing gimmick employing the impact of words to provide an emotional response. I mean it sounds good. It sounds fast. But It can't be done.
I want an 800 score, if I pay more can I achieve it? No. A perfect score takes time, dedication and hard work. It really isn't so important to have an 800 score in order to have excellent credit, but if this is your goal, diligence not money makes it possible.
Another company promised me a higher credit score, but you won't?
Anyone that promises a specific rise to a score is lying. Not even the companies that devised the FICO® and the VantageScore® can predict specific rises to a score, even they don't know.
Why don't other companies submit electronically?
Our guess is money. Mail takes longer than electronic submission. Longer times means longer contracts. We submit letters and documentation, we just don't use the postal service. This is the last resort.
How can I tell a company is legitimate? When they conform to The Credit Repair Organizations Act's guidelines. Usually, if they are incorporated, licensed and bonded where necessary, if they provide free links to your rights or an outline of them. As well as information on consumer advocacy organizations. When in doubt, try someone else.
Does A Clean Slate Credit Consultants recommend other credit repair companies?
While we do not recommend the services of a competitor we recognize that there are a handful of legitimate companies in the industry. We cannot recommend them because we do not agree with their pricing and in some instances, their business practices or lack of transparency.
When should I sign a contract? When you've read it and understand it. When it states it will do what you want to be done.
Why are payments debited from my account?
The FTC and the FCRA prohibit anyone for charging for services not rendered. By enrolling our services you agree to pay us monthly for the work we do not for upfront promises and nothing being done to fulfill them. We currently do not debit accounts automatically, although we reserve the right to do so.
What happens if I can't pay my file month-to-month?
Clients who cannot pay or default on their agreement will be given a 15 day grace period in order to complete their obligations. If after the 15 day grace period no payment is recorded, we close the file and place the contents on hold for an additional 30 days. In this time no further work will be performed on that client's file.
If after the 30 day period no communication is received by us, we close the file and terminate the contract. Clients found to be in default will be backlisted. We do not report unpaid accounts to collections as our contract can be canceled at any time (by either party) and our pricing is month-to-month for services rendered.
For more information please contact us.
Why do other companies charge more?
each company operates according to their own interests and business model. While the law stipulates that charges cannot be performed for work which is not completed, many companies charge amounts over and above their monthly fees as a way to make a profit and sidestep the law. That part is dressed up as 'special fees'. We don't do this.
Do you get hate mail?
Why yes, yes we do. We don't mind it. When a competitor sends you hate mail, it means you are doing something right.
Do I need an attorney to fix issues on my file? Not necessarily, each situation is different but the law does not state that a lawyer is required.
When accounts are removed can they be put back in? Yes, but they must be accompanied by a letter of notification no later than 5 days after being reinserted. If the letter is not received, the reinserted item can be petitioned for immediate removal.
Can I dispute my student loans, since I didn't graduate?
No. Graduates and non-graduates are responsible for their loan regardless. the department of education always gets paid.
Is there a way to boost my credit score?
Other than by paying it in full and on time, no. People will always try to beat the system, the only problem is that this system was established by scientists and other finance professionals.
Can I erase bankruptcies from my file?
No. This is impossible. A Bankruptcy is basically a legal claim of insolvency. Lawyers should have explained the procedure to you. We are not lawyers and do not offer any services to file or amend bankruptcies. However, documented errors can be disputed.
How do I know what to dispute?
When an item is incorrect, paid and still reported as unpaid, when a name on file is not yours, when addresses reported are not and have never been residences you've lived at. Basically when there are errors and inaccuracies. These inaccuracies can be repossessions, liens, foreclosures, charge-offs, old and outdated information, etc.
What is vantageScore®?
VantageScore® is a scoring method similar to the FICO® score developed and owned by the Fair Isaac Corporation. VantageScore® is owned by the top 3 Credit Reporting Bureaus, in a joint venture (they compete with each other for everything else). The scoring is used for statistical analytics in determining risk factors when extending credit.
VantageScore & FICO scores are different, they compete with one another.
Are you a virtual company?
Yes, we operate "on the cloud", which is just a way of saying free from overhead. It allows us to maintain our costs lower than anyone, anywhere.
What is a 'public record'?
Public records contain information from banks, landlords and/or the courts. It can list evictions, some types of liens, bankruptcies, child support claims, arrests and other types of documentation in the public interest.
What is an inquiry?
An inquiry is a record of how many times credit has been applied for. Generally speaking, this is something you want to be kept low as inquiries can impact a credit score.
What is a Tradeline?
A term used to describe Credit. A persons credit tradeline is in part a way of describing someone's creditworthiness. gullible consumers or those in dire straights are usually targeted by companies or individuals offering to rent their tradelines for a fee.
I was the victim of a natural disaster, can I claim this?
Yes. If you were a victim of a natural disaster you can claim this. However, it is important to have documentation be it legal or from the police department, F.E.M.A. or any other government organization that offered relief.
How do I protect from fraudulent uses of my identity?
There are many services available from private organizations and each has a price tag attached. However by being on top of your file and its contents you can see things are on the up and up. There are a few tips located on our Consumer Rights page that may be helpful.
I don't have documentation for my claim, is this a problem?
Not necessarily. Documentation is extremely helpful in the determining of a claim. However if you do not have documentation to back up your claim it isn't a deal breaker, it may just take longer. By documentation, we mean police reports, court orders, payment stubs and other receipts.
I was advised not to pay debts I owe and to dispute them, should I do this?
No. If you owe on a debt in collection or a debt which is being paid as agreed, you should not stop making the payments. If you feel there is an error, you should always try to contact and come to terms with the original creditor. If this option has failed and you believe a debt is being represented incorrectly then you may file a claim for a correction or a partial removal of the incorrect amount.
I know the debts are mine but don't want to pay them, will you help me out?
Not at all. Anyone who contacts us to erase their legal debt, or to claim inaccuracies where there are none is willfully trying to engage us in fraud by proxy. Individuals found to be attempting this will be denied and if applicable reported to the proper authorities.
A used car dealer offered to clean my credit? Is this common practice?
No, never trust your consumer credit file to someone who doesn't know what they are doing, have no track record, or a clear conflict of interest.
Car dealers and realtors or mortgage brokers are prohibited by law from engaging in these types of businesses, especially where there may be a conflict of interest. An auto dealer, realtor associate/realtor broker, mortgage broker, loan officer may, however, recommend a trusted organization or 3rd party to look into concerns on a consumer credit file.
I was told that a good way of building credit was to pay a company in order to match me with clients who will help me build my credit. Is this really an option?
This is known as "piggybacking", while many people can add spouses siblings or business partners to a card, the principal account holder is still responsible for anything that other person does while using their credit. (The main account holder is always liable). Piggybacking isn't illegal. The illegal part comes in when companies "rent" tradelines (other people's credit) belonging to other clients. This is pretty much as bad as it sounds. There is only one proven way to raise your score: Pay your bill on time and in full.
I was told I could apply for an E.I.N. to establish a new credit identity, is this possible?
No. This is a federal crime. It is highly illegal. If anyone suggests this, run away from them and under no circumstances pay them or hand them sensitive information.
I've paid to have my credit repaired before and nothing was done, can I complain to someone?
Yes. Consumer complaints can be filed with the Attorney General's office of your state or submitted to the Federal Trade Commission, or both. They will advise you on your legal recourse's—if any, and investigate your claims.
Is there a time frame in which to file complaints?
Yes. The statute of limitations for filing complaints is well outlined in the Credit Repair Organizations Act. Some states vary because some states offer protection or guidelines over and above federal protection.
Your ads & parodies are a little racy, why use them?
Only a little? We use them to make statements and poke holes in what our competitors think a good business model is. We are a movement and a company, and in the name of advocacy, we go to needed extremes.
Who sends you hate mail?
We get plenty of what we refer to as "hate mail" from newly registered email addresses. That is to say, addresses which are apparently created to comment, rate or spoof. But judging by who they mention in their attacks, I'd say they are sent by competitors directly. Some threaten some insult and some are funny because they think we'll remove our comments. We report threats to law enforcement and file reports with the FTC, CFPB & attorney Generals, take this as a warning.
Why do you hate Lexington Law?
We don't hate anyone. As a business, Lexington Law is doing good for its principals (its owners). Our problem is with veracity. Lexington Law is one of, if not the biggest advertiser in the industry. They advertise everywhere. They partner with so-called "advocacy groups" and BUY their ratings. We can't agree with that, so therefore we slam them with the facts. A perfect example is Consumers Advocate, a website that is supposed to care about the public and work for the public trust. They list LL at a perfect 10 score with about 63 reviews. The reviews are about 60% negative. Horrible reviews, yet their ranking doesn't drop. This is obvious malfeasance. This is a scam. And this is everywhere. We had to take a stance.
Do you court controversy?
We don't think so, we have an evolved sense of humor. We don't get mad at much and everything, including, raw humor, is fine by us. Fun is fun, and finances shouldn't be such a drag. It's surprising that financial institutions are responsible for the greatest majority of loss to an individual, yet the one where people want the most seriousness from. We don't lie, mislead, pressure or cheat anyone. We do make fun of certain things, among them social mores. We'd rather someone slap us with truth than kiss us with lies.
Aren't you afraid of lawsuits?
Nope. We have the right to free opinion. Our principals can say what they please, for opinion is protected. and by directing the people to see for themselves, we are not limiting their decisions making ability, we're only cutting through euphemistic language. Besides, we have lawyers too, you know.
Where do you advertise?
We don't pay for advertising. The closest thing would be Google, Social Media & Credit Karma Communities. We've gotten pretty well known because our visitors share our pages, our links and promote our brand of advocacy. We don't use ad words but may do it at some point. Rule of thumb: if we pay more we would have to raise our rates. This is why we don't pay more.
Will you start posting videos?
Yes, we at currently working on videos to supplement our webpage. As always, they will be unique. Trust us.
Why porn models, strippers, and motorcycles?