Clean Slate Credit Solutions has been in business since 2010, and provides credit repair solutions with no immediate upfront costs or monthly fees. However, Clean Slate Credit Solutions can also be a much more expensive alternative than some companies, and customers are encouraged to investigate the top credit repair companies before making a final decision.
- No Monthly Credit Repair Fees
- Cancel Anytime
- Good Online Transparency
While many credit repair companies charge a monthly fee for their services, Clean Slate Credit Solutions has zero monthly fees. This means that customers will only be paying for services rendered: a fee for the initial audit, as well as smaller fees for each individual negative item removed from your credit reports. Because Clean Slate Credit Solutions is not a subscription service like other credit repair companies, customers are free to cancel at anytime without needing to pay the remainder of a monthly subscription balance.
Clean Slate Credit Solutions is very upfront about what fees are associated with its services, and when customers can expect these fees to be assessed to their accounts. Some negative items, such as personal information discrepancies and late credit payments, will be resolved free of charge, while other fees will cost between $50 and $100.
- High Initial Audit Fee
- Unpaid Balance Fees
- Credit Monitoring Signup Required
Although Clean Slate Credit Solutions does not assess a monthly fee for its services, the company does charge a rather high price of $249 (or two payments of $149.50). Customers will also have to deal with a number of additional fees not directly related with repairing their credit. For example, once items are deleted from their credit reports, customers will be required to pay Clean Slate Credit Solutions $100 a month until their balance has been paid off.
In addition to a high audit fee, repair fees, and monthly unpaid balance fees, customers will also be required to enroll in credit monitoring with CreditScoreForMe.com within five days of signing up with Clean Slate Credit Solutions. And while the initial credit monitoring fee is only $1 for the first 30 days, customers will be required to pay $19.99 each month until their credit has been repaired.
Frequently Asked Questions
How much does Clean Slate Credit Solutions cost?
To sign up, customers pay $249. There are additional charges for each deletion made. Charges are different for different deletions, though deletions of late payments are free.
Does Clean Slate Credit Solutions allow me to enroll more than one person or my whole family?
The $249 fee is for individuals. If a second party wishes to enroll, he or she must do so separately.
How does Clean Slate Credit Solutions repair my credit?
Clean Slate will use a five-step process to help you achieve a better credit score and be on the way to better financial freedom. The first thing you will do as a customer is receive a free credit evaluation from a staff member. Next there is an initial audit followed by the company helping you to build your credit. The fourth step entails the company seeing if creditors have been guilty of any violations. Lastly, you finish Clean Slate’s program and remove all negative and false items from your report.
How does Clean Slate Credit Solutions provide credit monitoring?
Clean Slate connects you with financial professionals who will provide guidance and advice to help get you on solid financial footing. These professionals will identify risky credit practices and habits you may have and will alert you to ways to get back on sure footing.
How long will it take before I start to see results with Clean Slate Credit Solutions?
The company does not give an average time frame for how long it will take for you to see results; however if you are ever dissatisfied with the service, may cancel and get your money back at any time.
What results can I expect from Clean Slate Credit Solutions?
If you are patient, you should see your credit numbers rise. You will also receive a good amount of education and counseling on ways you can better manage your credit yourself.
How can I contact Clean Slate Credit Solutions?
You can call toll free at 1-866-538-9548 to reach a Clean Slate Credit Solutions representative. If you prefer, you may fill out an online form, and staff member will get in touch with you shortly thereafter.
Clean Slate Credit Solutions does not publish many results from its services. Nowhere can you find information about how much you can expect to raise your credit score or how long it will take.
On the other hand, Clean Slate does have a few customer testimonials on its website. Here actual customers reveal their experiences in working with the company and what kind of loans they were able to secure because of Clean Slate’s help.
Clean Slate has a fairly complicated pricing structure. Though you will pay no monthly fees, you are responsible for other costs.
Initial Audit Fee
After the free consultation, if you decide it’s in your best interests to work with Clean Slate, you may enroll and have the company conduct an initial audit of your credit report. This audit costs $249. You may split the payment up into two equal payments if you wish.
Depending on what Clean Slate is able to remove from your report, you will pay in addition to the initial audit. There is no charge for late fee removals, but collection accounts, repossessions, foreclosures and charge-offs will cost $50 in each removal instance. Plus, public record deletions are $100 per instance.
If you don’t feel Clean Slate is working for you in the way you would like, feel free to cancel your service at anytime. This can be done with no penalty and by getting your money back.
How It Works
Clean Slate Credit Solutions wants you to be in control of your financial future. For this reason, the company provides you with the tools and education you need to make better credit decisions. Together, you’ll work on solutions to repairing your credit and will develop strategies and plans to move forward accordingly.
The initial audit is a crucial step where Clean Slate will determine what issues are plaguing your credit score. You will be given online account access where you can monitor your credit and have the ability to check in 24/7 to see how the process is unfolding. You will also take part in a coaching call.
Some people don’t just have poor credit; they have no credit. Clean Slate will ensure you have established credit lines and will work with you to build a solid foundation that credit bureaus can look at positively.
Check for Problems
Sometimes, credit scores are low because creditors have violated standards and guidelines set by the Fair Credit Reporting Act and by the Fair Debt Collections Practices Act. Identifying and correcting these problems can improve your score.
Remove Issues and Be Prepared
You will then work with Clean Slate to take care of false reports and incorrect information on your report. Once this is done, Clean Slate will set you up with industry professionals to work on putting your financial life back in order.
What to Expect when Signing Up
The sign up process is fast and simple. Clean Slate has an easily identifiable button on its site that takes the prospective customer to an online form to fill out. Once this is done, the company will contact you about your free consultation.
In the sign-up process, you also make your initial payment of $249. You will also furnish your personal information. This entire process is complete and only takes a few minutes. The website is user-friendly and intuitive, so there’s no way you can be steered the wrong direction.
What Can Be Removed?
Clean Slate Credit Solutions is not able to remove legitimate information from your account, just those inaccurate and illegitimate items on your credit report. Some of the items the company can remove include the following:
- Late payments
- Tax liens
Your credit score will rise after these items are removed. Plus, you’ll be able to move forward with a clean slate.