Don't make that face buddy, this is the place to ask questions... go ahead.

SERVICES

What our visitors are saying about our advocacy

...Keep up the fight for those who truly need and deserve the help."
Brad Young - WI, Visitor since 2018

Meet Revo the Cat

About 3 months ago, I was contacted by Mr. Brad Young up there, he had a question. I couldn't help him out but did give him some suggestions which he could put to use. I asked him to keep me in the loop as to their progress. In this time we became what I would consider credit repair chums. He is generally a cool dude and extremely civic minded, going so far as to asking if he could donate monies to provide services for indigent clients, which floored me. I refused because we sometimes take indigent clients (pro bono work). He's a good dude. this is his cat, Revo. Reminding me to take a break on occasion and not work so hard. I said I'd put it up, and here it is. This buds for you, Brad... if you can take it from Revo.

Know your rights before you take the first step

1-786-307-3585

- Chairman & Founder

"Why pay to monitor your data? Go the free way and save your money for beer & pretzels."

Change is good. So is saving money.

www.cleanslatecredit.org

don't pay more, get more. We guarantee it.

What our visitors are saying about our advocacy

I served my country and A Clean Slate Credit serves me. Best prices with the best non BS people.

Richard H. USMC - Miami, FL, Client since 2018

60 Minutes investigates the top 3 credit reporting bureaus


The Federal Trade Commission; The Consumers Advocate

Fraud Affects Every Community: Debt Settlement Companies | Federal Trade Commission


Avoid I.D. Theft

Federal Trade Commission


Are you a reliable revolver or a deplorable deadbeat?

Before you answer this question, take a look at some of the videos below. you'll never see the value of those words the same again.

Perhaps the best documentary on credit

This is the video I always recommend for everyone to watch. It basically goes behind the façade of financial companies that spend billions of dollars to appear "legitimate", "family orientated", "helpful", "etc." all with the intent to keep one locked into the perpetual debt machine.

Perhaps the 2nd best documentary on predatory lending

As if it wasn't bad enough to get placed in hock by the likes of the funny raiding vikings and other media friendly banking propaganda, the problem isn't only an American one. Check this one out to see what our fellows across the pond face.

C.F.P.B. sues Navient over Student Loans

The Consumer financial protection Bureau sues the student loan giant over negligently servicing student loans. Those stuck with Navient as their service provider and looking to learn more should contact the CFPB or an attorney for more information

we do more to link our visitors to consumer protection organizations and provide more concise information than any competitor in the industry.

click on any of the seals below to go directly to the sites

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Did you know?

You must be told if information in your file has been used against you. Anyone who utilizes a credit report to make decisions based on information in that file (insurance, credit companies, banks or employers) or anyone who will take adverse action based in part or in whole must tell you, and give you the name, address and telephone number of the agency that provided the information (ex. Original creditor)


You have the right to know what's in your file. You may request and obtain all the information about you in any file held by a consumer reporting bureau("Your file disclosure"). You will be required to provide proper identification including a social security number. Most disclosures are free. You are entitled to a free file disclosure if: A person has taken adverse action against your person/a business entity because of information contained in a credit report; you are a victim of identity theft and have initiated a fraud alert on your file; your file contains false information due to identity theft of fraud;you are on public assistance; you are unemployed but expect to apply for unemployment within 60 days.


All consumers are entitled to one free disclosure every 12 months upon request from each of the top 3 credit reporting bureaus, nationally. You may visit www.consumerfinance.gov/learnmore or www.annualcreditreport.com for more information.


You have the right to ask for a credit score. Credit scores are numerical summaries which quantify your credit worthiness based on information culled from credit reporting bureaus. You may request a credit score from consumer reporting bureaus that create scores or distribute scores used in residential/real property loans, but you will have to pay for it. In some mortgage transactions, you may receive credit score information for free from the mortgage lender.


You have the right to dispute incomplete or inaccurate information. if you identify information on your file(s) that is incomplete or inaccurate and report it to the consumer reporting bureaus, the bureaus must investigate.

Consumer reporting bureaus must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However a consumer reporting bureau may continue to report information it has verified as accurate.


Consumer reporting bureaus may not report outdated negative information. In many, if not most cases a consumer reporting bureau may not report negative information that is more than 7 years old, or bankruptcies that are more than 10 years old.


Access to your file is limited. A consumer reporting bureau may provide information about you to people with a valid need—usually to consider an application with a creditor, insurer, employer, landlord or other business.

You must give consent for consent to be provided to employers. A consumer reporting bureau may not give out information about you to your employer, or a potential employer without you written consent given to the employer in question. Some industries are exempt from this.


You may limit "prescreened" offers of credit and insurance you get based on information in your credit report. Unsolicited "prescreened" offers for credit and insurance must include toll-free telephone numbers where you can call and opt to remove yourself your name and address from lists these offers are based upon. You may opt out with the nationwide credit bureaus at:

1-888-5optout (1-888-567-8688)


You may seek damages from violators. If a consumer reporting bureau, or in some instances, a user of consumer reports or a furnisher of information to a consumer reporting bureau violates the FCRA, you may be able to sue in state or federal court.


Identity theft victims and active duty military personnel have additional rights. For more information please visit; www.consumerfinance.gov/learnmore


States may also enforce the FCRA, and many states have their own consumer reporting laws. In some cases, you may have more rights under state law. For more information on your rights contact your State Attorney General.

Advocacy & Consumer Links

The following is a list of consumer's rights, laws, Advocacy organizations and consumer credit links.

As part of our transparency we have tried to reflect accuracy and factual information. The information contained in this section should serve as a guide only, as we encourage all consumers to visit the respective websites and/or research the application of laws in their state.



FAIR CREDIT REPORTING ACT of 1970 (FCRA)

Act signed into law to promote fairness, accuracy and privacy of consumer information contained in the files of credit reporting agencies.


Per Ticket

LINK


2017

FAIR DEBT Collection PRACTICES ACT of 1978 (FDCPA)

Limits the behavior and actions of third party debt collectors.



LINK


2017

CREDIT REPAIR ORGANIZATION ACT of 1996 (CROA)

statute created to prevent credit repair organizations from engaging in unfair business practices, unfair tactics that result in a financial hardship for consumers of limited financial means or the uneducated.



LINK



FAIR AND ACCURATE CREDIT TRANSACTIONS ACT of 2003 (FACTA)

Designed for greater transparency, this law allows for consumers to request their credit report free once a year from the top 3 credit reporting bureau's.



LINK

2017

FREE CREDIT REPORT ANNUALLY FROM THE TOP 3 CREDIT MONITORING BUREAUS

Consumers can request their free credit report annually from the top 3 credit reporting bureau's. We recommend: www.annualcreditreport.com


FREE

LINK



FEDERAL TRADE COMMISSION

Agency created to protect consumers rights. Among the work they do, they investigate entities that do not comply with the laws governing credit repair, debt management and all other aspects of the FCRA.


Per Ticket

LINK


2017

ATTORNEY GENERAL of FLORIDA (Our charter state)

The office of the ATTORNEY GENERAL assists and protects consumers from fraud and deceptive practices. Complaints are welcomed and their website is full of  free links and guidelines.

FREE


LINK


2017

Attorney General of Florida Consumer Complaint Form

Complaint form provided directly from the office of Pamela Bondi.

FREE


LINK


2017

Federal Trade Commission, Consumer Guide to spotting Credit Repair Scams checklist

Checklist for how to spot scam Credit Repair companies & independent operators. Check it out, the information here applies to every state in the union & all lawful territories.

FREE


LINK


2017

Federal Trade Commission report scams

Here is the direct link to reporting a scam to the FTC. Been shafted? Robbed? No one takes you more serious than these people, this is what they do.


FREE

LINK


2017

Florida Bar Association General Public Query

If you have had legal issues, need an attorney recommended, have questions regarding what an attorney's record is, or anything else in Florida, this is a great site.

FREE


LINK


2017

Florida Unlicensed Practice of Law

If you're like me, you've come across many people who claim to be something they are not. In the practice of law, this is a crime. If you have had dealings with someone who practices law or gives legal advice illegally, follow this link or call, they can help you. (Florida Bar Association)



LINK

What our customers are saying

By far is the best no-nonsense company in the business. I have never wrote a review for any company but I feel obligated and proud to write a review on this company. Not only will Antonio work late hours but has always made himself available to answer any questions. This guy is resilient and genuinely cares about getting the best results for you no matter your scenario. A Clean Slate Credit Consultants recognizes military service veterans and has always Thanked me for my service. Hands down the best in business! Lastly, if you are searching for credit repair companies like I did for many years that advertise through search engines then you are wasting your money. The business model is to get you to pay $100 or more monthly to only dispute a selected few items with minimum impact to string you along. A Clean Slate will not bullshit you. If it is something you can do then he will tell

you that what to do and how to do it and will not charge a dime. So if you are looking for a credit repair company; I highly recommend this company! After all what credit repair company will give you free advise and what company has a better price point? Find 1. I dare you.

If you are a Vet - Look no further!

If you are serious about your credit - Look no further

If you want a good company to assist you- Look no further 

Cory L. USAF Vet, GA. - Client since 2018

Debt Consolidation servicers & National nonprofits

Just because this isn't something we handle doesn't mean it isn't something our visitors don't need. Included here as a guide of sorts, we do not endorse any company here or partner with them. We do not receive financial consideration of any kind from this listing. Emptor Caveat all the way. Presented here for informational purposes.



National Debt Relief

National Debt Consolidation company.  If you are military there may be better options, ask them to see what they offer.


Per Ticket

LINK


2017

In Charge Military & Veteran debt relief

This a nonprofit advertising directly to Active military & Veterans.



LINK


2017

Debt . Org

This is another nonprofit serving Veterans.



LINK


2017

Debtor Education Programs, approved counselors

Links directly to the Dept of Justice's website and approved bankruptcy counselors. These people have been vetted by the government.

FREE


LINK


2017

USA . Gov

This is a government run website with various helpful links and information on credit.

FREE


LINK


2017

National Foundation for Credit Counseling

This site not what you were looking for? Need help and we can't take you as a client? The NFCC may be able to help you out. As usual, they are a nonprofit.

FREE


LINK

National Credit Reporting Agencies (Bureaus)

The top 4 Credit Reporting Agencies or Credit Bureaus: Experian, Equifax, TransUnion & Innovis. These are good links to have. Never, under any circumstances trust any company or individual that Tells you not to contact a CRA yourself. That, would be major bullshit.



Experian

Operating out of Texas, which makes sense since they are the biggest, & things are supposed to be bigger there.


Per Ticket

LINK


2017

Equifax

Operating out of Georgia. This is the second biggest CRA & currently in deep shit over the whole security breach.



LINK


2017

TransUnion

Operating out of Illinois, third biggest CRA.



LINK


2017

Innovis

Operating out of Pennsylvania, not a bureau we deal with, but you may find them useful. If Equifax goes down, guess who will pop into their place?



LINK


2017

PRBC

Operating out of Georgia, Pay Rent Build Credit is another of the nearly 40 CRA's in the U.S. we don't use them but they may be helpful.



LINK


2017

Chex Systems

This is the reporting agency that handles banking information. Information not found in the top 3 may be found here.



LINK

Student loan repayment & rehabilitation links

A great deal of our clients have issues with outstanding debt & defaulted student loans. While we do not provide counseling in this area, we do recognize that it can seem a daunting task to take control of. Here we have listed a few sites which make getting out of delinquency with the Dept. of Education a cinch. 



Student Aid. Gov

This is the website to go to when loans are in default with the department of education proper.


Per Ticket

LINK


2017

The College Investor

This website features tons of helpful information in normal English as well as a complete list of collection agencies that work with the Dept of Education

FREE


LINK

Attorney General by State

Here is the website you'll need to visit to learn more about the attorney general of your specific state, including territories and commonwealths.



NAAG. Org

The place to put a face to a state, the people listed here are all State AG's, clicking on their images will no doubt send you to each prospective website. I'd recommend this to all consumers.


Per Ticket

LINK

Credit Report annotations & definitions

This section will address the common annotations in a consumers credit file, what they mean and what they definitely don't mean. Material is sourced and cited, our colorful wording not withstanding.

Charge Off

Oct 10

Accounts marked "Charge Off" means an account is closed for use by the lender. The debt is still owed. Accounts which are charged off will continue reporting and continue to be collectable. paid accounts will usually be marked "Paid charge off".

Source: Experian

Written Off

Oct 10

Accounts marked "Written Off" means the same thing as "Charged Off".  Like the former, it denoted an account which is seriously delinquent and the lender has given up being paid for it. Given up is not a euphemism for "Fuck it, let the guy off the hook", you still owe on it. the annotation is for their record keeping only and does nothing to remove the debt.

Source: Experian

Balance Chasing

Oct 10

Accounts will never be marked "Balance Chased", they simply may be Balance Chased. This happens when a bank (i.e. Lender) limits the amount of available credit on a specific card/loan. Sometimes this is seen, when a person fails to meet the obligation of a repayment on a balance. When a person renegs on a debt for whatever reason, its common to see banks do this to other accounts, even though the bank may be different from the one reporting the delinquency.

Source: Investopedia

Garnishment

Oct 10

Awarded by a court, a Garnishment is basically a court order that a lender receives to obtain money from a borrower, by seeking relief from the employer of the borrower. It is not supposed to show up on a credit report (if it does, you have grounds for dispute) and is not supposed to impact the credit score either way. Garnishment can be achieved by court order and this typically happens when one is sued or otherwise issued a court appearance.

Source: TheStreet

Time Barred

Oct 10

Accounts seldom show an annotation for "Time Barred" debts. It's up to each person with debt to read up on the State Statue of their particular state to see when the Statute takes effect. Time barred accounts means a debt is not enforceable any longer, because the statue of limitations for its garnishment/legal remedy has expired. Don't expect a collector to tell you about time barred debts, it isn't in their interest to do so and "obligation to inform consumer" is a term they don't understand, much like I don't understand what "No Double Parking" means. It has been suggested that some lenders consider the debt to apply to their state of incorporation, since the greivance originated in their state and not the borrowers. this is also known as a pissing competition, hire a lawyer if you need more clarity. Most consult for free.

Source: Federal Trade Commission filtered through our minds.

Reversed Charge Off

Oct 10

A "Reversed Charge Off" is a wet dream, nevertheless the bloggers at Sapling, make an argument for the reversal of a charge off. The only way to get it removed is to ask nicely (a la pretty please with sugar on top version) and have the reporting agency or lender to tell one of, or all of the CRA's that the debt is no longer considered charged off. In my considered opinion there is time better spent in watching paint dry, or going deep sea fishing with a golf club and whacking random fish that swim up to say hello. The chances of this are slim to fucking none, but to each his/her own.

I've seen weirder shit.

Source: Sapling and filtered through our what-the-fuck-o-meter.

Delinquent

Oct 10

Ever seen a file marked "delinquent" and wonder to yourself what the hell this means? Before you get riled, start mumbling to yourself and getting ready to cuss someone out, this is what you should know: don't take it personal. Delinquent on a credit report doesn't mean you're out boosting cars or vandalizing a business, it just means you've missed a payment beyond 30 days. The account is delinquent, you personally are not (I mean you may be a delinquent right, but that's not why its there. Anyway, lets move on). Accounts don't automatically get slated delinquent for being a few days late, they wont report lateness unless it generally exceeds 60 days late. That's all it means.

Source: Investopedia

Bankruptcy

Oct 10

"Bankruptcy" is a word with its origins in Italian for "Banca rotta" literally, broken bench, on account that money lenders worked from tables with benches. When they ran out of money, the bench would be broken and he couldn't lend anymore cash.

I mean, where's the guy gonna sit? On the floor? In the broken bench with splinters up his ass? have you ever dealt with a splinter? Imagine a bunch all up and down your ass and legs and... wait I got off topic. bankruptcy is insolvency or a declaration of financial ruin, or both. In most jurisdictions bankruptcy is imposed by the court after being initiated by a debtor who just can't go on paying his creditors. Bankruptcy is a big deal, huge. Once this gets slapped on a report it can stay up to 10 years. It should be noted that this is "the Alamo" as far as options are concerned. 

Source: The Donkey Show

Ch 7 & 13

Oct 10

For individual debt there are two types of bankruptcies. Chapter 7 and chapter 13.

Chapter 7 of the Bankruptcy Code deals with the discharge of debts. Under 7 one pays or gives up property for secured debts. Its a trade off of nonexempt debt vs. exempt debt (get a lawyer to explain it, we aren't lawyers just advocates) To qualify for chapter 7 (generally) one doesn't meet the criteria of sufficient income that would allow partial repayment. Chapter 13 is for the people who do have the money to cover their debts, but seek to either restructure the payment get rid of partial debts. before you go thinking it's as easy a pie, remember the judge and trustee's have to sign off on it. 

Source: Legal Zoom

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