Clean Slate Credit Solutions Logo

Clean Slate Credit Solutions

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6.4

Overall Score

LAST UPDATED: September 6th, 2023

Clean Slate Credit Solutions has been in business since 2010 and provides credit repair solutions with no immediate upfront costs or monthly fees.

The New Jersey-based company has an A+ BBB rating and strives to provide credit repair education to its customers in order for them to maintain good credit in the future.

In addition to the removal of negative items, Clean Slate Credit Solutions’ customers will receive the following and more when they sign up for credit repair services: 

  • Monthly phone calls to discuss account progress
  • 24/7 access to a secure online portal
  • Access to a private Facebook group with credit education tips
  • Assistance with building good credit

It's important to note that Clean Slate Credit Solutions can be more expensive than some companies. Fortunately, customers can choose to cancel services at any time.

Read on to learn more about Clean Slate Credit Solutions and to read verified customer reviews

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The Good

  • Cancel Anytime
  • Online Transparency
  • No Monthly Credit Repair Fees

Clean Slate Credit Solutions is very upfront about what fees are associated with its services, and when clients can expect these fees to be assessed to their accounts.

The company offers an initial free credit report consultation that will help determine if the client needs assistance with credit building, debt settlement, debt consolidation, student loan consolidation, applying for an auto loan or mortgage, or refinancing an auto loan or mortgage.

Cancel Anytime

Clean Slate Credit Solutions’ services can be canceled at any time with no additional cost or payments associated with the termination of the services.

In addition, Clean Slate Credit Solutions offers a 100 percent money-back guarantee if a customer cancels the Clean Slate credit program within the first three months.

Online Transparency

Clean Slate Credit Solutions is upfront with the associated costs and term requirements. The company’s website also discloses what it provides clients who choose its credit repair services.

Clean Slate Credit Solutions will do the following for those who sign up for its credit repair services:

  • Conduct credit report consultations to determine customers’ credit file situations
  • Work with credit bureaus as well as creditors and collection agencies on behalf of customers
  • Send customized disputes
  • Provide access to credit counselors
  • Offer advanced credit repair education to ensure long-term success

The credit repair company also states on its website that it works to remove several different types of negative items including personal information, student loan consolidation, late payments, inquiries, collection accounts, charge-offs, and public records. 

No Monthly Credit Repair Fees

While many credit repair companies charge a monthly fee for their services, Clean Slate Credit Solutions does not require monthly payments.

This means that consumers looking to improve their credit scores 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 their credit reports.

Because Clean Slate Credit Solutions is not a subscription service like other credit repair companies, customers who are not pleased with the company’s credit score restoration services are free to cancel at any time without needing to pay the remainder of a monthly subscription balance.

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The Bad

  • Credit Monitoring Sign Up Required
  • High Initial Audit Fee 

In addition to a high audit fee and repair fees, customers will also be required to enroll in a credit monitoring service within five days of signing up with Clean Slate Credit Solutions.

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 bad credit has been repaired.

Credit Monitoring Sign Up Required

Clean Slate Credit Solutions requires customers to start paying for a credit monitoring service in addition to paying for the company’s credit repair services. 

High Initial Audit Fee

Although Clean Slate Credit Solutions does not assess a monthly fee for its credit repair services, the company does charge a rather high enrollment fee of $197.

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The Bottom Line

With Clean Slate Credit Solutions, customers will only have to pay for the negative items that are removed from their credit reports.

Customers will also be able to obtain a free consultation, access to a client portal, monthly phone calls to discuss credit progress, assistance with credit building, access to credit education tools, and more.  

Overall, Clean Slate Credit Solutions operates at a level of online transparency that many more well-established credit repair companies do not.

Customers are given an accurate expectation of how much they'll be required to pay for Clean Slate Credit Solutions' repair services.

Unfortunately, with so many fees and conditions that come with an account, customers may be required to pay a great deal more with Clean Slate Credit Solutions than they would with other credit repair companies.

Luckily, customers can choose to cancel services at any time. Additionally, if the company does not remove any items within the first 180 days for a client, that client will be eligible to recieve a refund for their enrollment fee. 

If you are interested in learning more about Clean Slate Credit Solutions, you may want to consider signing up for a free consultation, visiting the company’s website, and reading several Clean Slate Credit Solutions reviews. 

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4.7

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85 Reviews

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Olga

http://www.cleanslatecredit.org Antonio been wonderful during the process of fixing my credit he is always a phone call, a text or an email away. He is always really quick at responding in a timely manner and keeping you all informed every step of the way which is crucial when it comes to situations like this despise being across the nation from one another and the different time zone. I can't say it enough wonderful things about him and his company. I'm beyond grateful for all the assistance he's providing me and like other companies he is down to business not wasting your time and getting things done fast. He gives an evaluation of your credit from the very beginning and explain to you everything step by step. If you want someone to be in your corner fighting like a angry pitbull Antonio is your guy and wont be disappointed and it would be the best money invested ever that can open the doors for wonderful opportunities with a great credit score. He is also honest about his prices and doesn't overcharge or have any hidden fees. He send you proof of his work, makes you feel comfortable and delivers results.

4 years ago

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Cheyenne g. Los Angeles, CA

I am very impressed with the level of care and customer service that I got from clean slate. They don't have a "call center" with people who are not very bright attempting to assist you (like many other companies do) when you call up there you actually speak to the owner or someone who really cares about you and is very knowledgeable. I am so thrilled with the results I got from using this service, it's not just about consuladiting debt. It's about transforming your credit report and score and I can't believe it really works!!!! My life has compleatly changed since they helped me fix my credit. (A car loan and beautiful home that I was not able to get until They fixed my credit.) I like the pricing structure, you pay monthly and only to the extent that they are able to help you. If there's something they can't fix, they don't just charge you a fee for "trying" like some other places do. If you're not ready to get responsible with money and not abuse your new credit cards, then don't use a service like this. if you use this service, you WiILL get approved for credit cards and you have to be ready to use them responsibly so you can rebuild your score. My score has been steadily climbing up for a year now and I can't tell you how good it feels!!!

7 years ago

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Ms. Ortiz Parsippany, NJ

Clean Slate Credit is a great company I have the pleasure of working with within the last 2 years . I was looking to increase my credit score and have someone review my credit history and errors on it. Jose is a pleasant, professional businessman. The key factor of his company is the excellent 24/7 customer service. How many people you know in this industry will work 24/7 to correct clients credit reports. My credit report was pulled nuemorous times with auhtorization free of charge. No fee at all. I'm proud to say this company has change my life. I recommeded family and friends to used his services if you looking to make changes, apply for a loan or increase your score. If I can rate his company it would be beyond a 10.....

11 years ago

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Yvonne Kapitza Asbury Park, NJ

Clean Slate Credit Solutions was amazing with helping me fix my credit. They removed a bankruptcy that I had on my credit report from when I got divorced. My credit scores were in the low 500's and I was so embarrassed because I could not get approved for anything. In less than a year, they were able to help me not only remove items off of my credit report, but I started getting approved for credit cards on a frequent basis. I just leased my first brand new car, a fully loaded 2013 Chevy Malibu. My credit score was well over 750 when the dealership pulled it. I could not be more thankful for all their hard work and the fact that they monitored my credit for me was such a big help. Thank you so much!!

11 years ago

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Jim D Medford, NY

Clean Slate Credit Solutions is a relatively new company. In that regard, they have not outgrown themselves and take very good care of each and every client whose trust they have earned. Yes, they pulled my credit reports without charging me, but it was with MY permission to do so. I am happy with the results so far and applaud their efforts in helping you understand where I might improve through emails and informative newsletters. Lastly, you mentioned that Clean Slate does NOT offer any guarantees, yet the following was copied directly from their website: "Clean Slate Credit Solutions cannot promise you that we can delete any negative items from your credit report. Our Clients are covered under our 90-day money back guarantee. If we are unable to remove any items on your credit report within ninety (90) days, we will give you a full refund for any monthly fees you have paid. We can also guarantee you that the only deletion fees you will be charged are for the items that are deleted from your credit report." They are working hard to help those of us who got into a little trouble with this economy. It's difficult enough to start a business in these times, so please check your facts before skewing others away from finding the help they need in Clean Slate Credit Solutions.

11 years ago

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Nathan Stephenson

let me be the first to say that I am very please with clean slate credit solutions and the reason for this is that they help me get better credit that I've been trying to do for the last 10 years I have been under the knife when it comes to trying to get my credit taken care of and yet I haven't been able to do what they have done in 3 months in the last 10 years I am extremely impressed with them I went from a 549 score to is 631 score in the site of 3 months not even 90 days not only were they able to pull all 3 of my credit bureau reports they were also able to give me asked if changes that no other company has been able to do I would highly recommend to friends and family and do to this day I love them

11 years ago

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williaam

Ok, for someone to just saying things out of the blue specially false statements is unprofessional. I am one cleanslate client and they have fullfilled everything they have promised. Including, supports, pulled up my credit history, help cleaned my credit history. For the first time, I could purchase a Chevy Tahoe under my name without a cow-signer. They guaranteed all services and they keep their promises. This is a geeat company and I already recommended to all my friends and family and one of my friends got me to this company. That friend was able to get loans and bought his girlfriend which now his wife, a brand new mercedes benz. I gave this company 10/10. Thanks jose Rodriguez, keep up the good work.

11 years ago

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John Perkins West Haven, CT

They are very transparent. Communication is great, very knowledgeable, and thorough with what they do. Have been with them since May and under a month my score has jumped 60 points. Working to continue to get my score atleast 100-150 points higher. Yvonne is a wonderful credit manager. Looking forward to the journey. Month one has been amazing. - John P

3 years ago

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Jose Morales Rochelle Park, NJ

August 2019 company is still doing amazing by me me highly recommend.. Actually spoke to Jose and explained what I thought there was going on in my file unfortunately in my situation they have to do extra rounds. But people they only charge for deleting items no monthly fees so yea its 100% favorable towards clients. We are going to move forward and hopefully get this resolve. I take some blame on this as well. I highly recommend clean slate and beatriz as your credit coach.

4 years ago

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Yvette Burgos Brooklyn, NY

Clean slate has helped me through the credit process so much the first couple of months my score went up Tremendously I had a lot of negative items on my report ,something I thought I would never be able to fix .Now I have 5 cards on my account in good standing just started with brand new.. fingerhut was the first one to help me out and gave me a credit increase right away once I paid it off .. Now my score is 739 which I can’t be more happy about thank you Clean slate!!!!

6 years ago

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Damion Hepburn Philadelphia, PA

My experience with Clean Slate Credit Solutions was the best! Scheduled appointments was always on time, and the staff always gave courtesy to follow up with me. Any time I had a question I was able to logon to the portal ask questions, and was answered in a timely fashion. Excellent company and would recommend them to everyone I know in need of credit repair.

6 years ago

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AJ Camden, NJ

I've been working with Clean Slate Credit Solutions for a year and I've been blown away by how they have been able to not only clean my credit but educate me on how to be responsible with my credit. Also they genuinely care about what they do, helping their customers, and are happy when something good (like getting a credit line increase house or car) happens for their customers. Working with Clean Slate was a great decision!!

7 years ago

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Jennifer E Belmar, NJ

Cleanslate credit solutions gave me a new lease on life! As a college student, you don't always adequately evaluate how your financial decisions will affect your future. I didn't and effectively made it impossible to financially function as an adult in a world that revolves around your credit score. With the help of Jose and his team, I was able to clean up my credit (up 100 points in a short time!), finance a car, get approved for an apartment, and the rest is history. Thank you Jose!

7 years ago

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Bud Carter

You guys are amazing. Literally one of the best decisions of my life was signing up with you guys to fix my credit. I tried a couple of other places and they dragged their feet, and wasted my money. You guys got straight to the point and produced results. Also, your live videos are very informative and provide incredible tools to help me and so many other people. Clean slate is a God send. Thank you guys so much.

7 years ago

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Jessica C Centereach, NY

Clean slate credit solutions is by far the best Credit repair company out there! If you're looking for a team that gets the job done, then you've come to the right place! As a teen, I charged up my credit cards, not thinking of the consequences. Jose and his team were able to delete every discrepancy from my report, allowing me to finally be free from the mistakes I made when I was younger. I am forever grateful that I found you guys. Thank you!

7 years ago

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Alan Meekins

There are many great things about Clean Slate, but no one out there can beat them by pulling your credit history for FREE, without any hassles. Every other company I tried out there have all these hidden ways of telling you, that you have to provide your own print out which is "BULL". Also, they guarantee their work, and back-up everything they say, the most honest business to deal with. Thats what happens when a business is built off of the experience of one of the military's finest.

10 years ago

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Tim Walker CA

What can I say about Clean Slate Credit Solution? Oh I know great service with genuine people. Working with this company has made me more aware and has really encouraged me to take better care of my credit. I would recommend this company to anyone. Even if you think or know your credit is great there are still a lot of things that you can be educated on. Thanks Jose.

11 years ago

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Jose R Asbury Park, NJ

I am only at the beginning of my credit repair process and have had an extremely positive experience with Jose. Jose pulled my credit report with my permission and immediately went to work on repairing my credit. I look forward to seeing the amazing result I know I will get with this company. While the company is young that is by no means an indication of the knowledge that Jose has in the field or the professional experience you will get with this company.

11 years ago

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jackie Ardsley, NY

I was skeptical at first and asked a bunch of questions before I stared and every single obe of them were answered. They pulled up my credit report and gave me a breakdown everything on it before i signed up and I wasnt charged anything. Im very happy with thier services I recommed them and I will continue to do. They work with you at all times and the price is affordable. I never met with in person with him but I feel comfortable and trust his work. Very professional Very great company!!!!

11 years ago

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Mary De Rivera Perkasie, PA

Is the first time that I used this service,I never trust in that kind of company before, but one of my daughter star to fix her credit with Clean Slate, they help her to get the credit back, then I did also, because we have a good example of the great job that they made, that people work for make a good job and to mantain a great communication with all customers, they are friendly and trusty people, I recommended to everybody.

11 years ago

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Wanda Ramos Matawan, NJ

I am a very happy client of the service provided by Clean Slate Credit Solutions. It's too bad that the rating only allows for a 10 otherwise, I would rate them HIGHER! I didn't have to go through the agony to obtain my own credit report from each credit bureau. Clean Slate Credit Solutions did that for me and at NO CHARGE! They also have a guarantee policy which is only offered by companies that are confident with their delivery of positive results and CLEAN SLATE CREDIT SOLUTIONS has the confidence, guarantee and proven records of great service with exceptional results!

11 years ago

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Nikkole O Toms River, NJ

Clean Slate has done amazing things for my husband and I to get where we need to be to get approvals. They are highly knowledgable of anything that can ruin & or help credit repair. They go above an beyond to answer any questions. They pulled our credit reports for free and went step by step to cleaning everything up. Even going the extra mile to call debt collectors. We will always recommend Clean Slate!

11 years ago

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Vanessa dasilva Hillsborough, NJ

At first I was a little scared because I wasn't sure if it was real or not. I contacted them an the reassured me that it was 100% real an they made me feel secure. They took the time out to talk to me an explain everything to me. They helped me out a lot an I recommend them to everyone that is I'm the same position as me or worse they pulled my credit report up for free an they explaine everything every step of the way . They give you a user name an password so u can see what is happening to your credit I love them an they are amazing!!!!!!

11 years ago

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ray d Warwick, NY

I want to set the record straight! Cleanslate is by far one of the best companys that i have worked with. Jose goes above and beyond to get your credit report and go over everything that is on it and explains how he will be going to get things off your report.And there is NC for getting your report (yes thats right its free) He only charges for what he gets removed (by the way that is a very reasonable rate) I have given Jose's name and ## to friends and family and have no doubt that they will help them also in my eyes cleanslate is a 10+ company

11 years ago

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Kara Old Bridge, NJ

Clean Slate was such a HUGE help to me. This is a man who owns a company who actually gives a sh@$ about his clients !!!! I have had a hard life.. But Jose helped me get my life back. He was the first person to give a shit about me and help me get my credit back... I do , and always will appreciate him. He works TIRELESSLY DAY AND NIGHT FOR HIS CLIENTS. Who the hell does that anymore ?! It's nice to know that Jose does . ... And he is a family guy. Trust me! And I don't trust anyone.... ;). Love Clean Slate!!! FOREVER GREATFUL <3 Kara S.

11 years ago

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Jennifer Rodriguez Ardsley, NY

Clean Slate Credit Solutions is a great company that's been doing a great job trying to get me back on track with my credit standing.... The gentleman that worked with me was very helpful in pulling my credit report and going over some questions I had about some things on it. Clean Slate was recommended to me by many people, and from my own experience o far, I will also continue to recommend their services to my friends and family.

11 years ago

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Jennifer E Anderson, IN

I am so incredibly happy with th services provided to me by Clean Slate Credit Solutions... I went to them after a close friend of mine sky rocketed his credit and they did the same for me!! I have only ever paid for repaired or deleted items, that IS a guarantee!! I have recommended them to my friends and family because it's one of the best financial moves I have ever made. *** they were able to provide me with my credit report free of charge!!

11 years ago

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Danette Bayville, NJ

My experience with clean slate credit solutions has been excellent! I've tried other companies who claim to repair credit and have lost money and been scammed. Jose is superb at what he does. He pulled my credit report from all 3 bereaus and has provided an excellent resource fore to track the results of my credit repair. Not to mention he's a phone call or text message away whenever I have any questions. I would recommend clean slate credit solutions to everyone.

11 years ago

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Maria Jackson, MI

Clean Slate by far have been doing a good job with repairing my credit. They have been able to pull my credit and monitor my credit reports from all 3 credit bureaus. Not to mention they provide you with resourceful information on how to help improve your credit and maintain your credit in good standing. I would recommend Celan Slate to my friends and family. Thank you Clean Slate.

11 years ago

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Antonio Gomez Cortlandt Manor, NY

I Antonio Gomez is very happy with clean slate they are helping me better my life they pulled my credit free explain everything to me step by step .You call them they call you back and also leave you a text and email and always following up with you. Soon I will be ready to get the things I always wanted thank to Clean Slate Solutions God Bless them and there family.

11 years ago

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Carla Richmond, IN

I am a customer of Clean Slate Solution and they have done a Fantastic job with helping me with Cleaning up my credit and yes they do pull your Credit Report for FREE they just pulled my last week and since then i was able to buy a BRAND NEW CAR and i have only been with them for A year they are AWESOME. I advise any one who is looking for some advice about their credit and how to repair it to go see Jose Rodriguez.

11 years ago

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Nilsa Santiago East Orange, NJ

I have been with Clean Slate Credit Solutions for a year now. They have done an amazing job on removing negative items off my credit. Clean Slate has also pulled my credit score free of charge. You are only charged for the negative items that come off. If nothing was taking off for that month you will not be charged for it. I myself will give them a 10 they have stood by everything they say.

11 years ago

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Marita Bloomington, IN

I am so happy that I found Clean Slate Credit Solutions. They helped me clean up and improve my credit score after divorce. They pulled my credit reports, and shared with me what was on them, then they tackled the problems for me. They wrote letters on my behalf and really made this a simple process with quick results. I am more than happy with the results. They guaranteed results & the delivered. I have recommended them to a number of people , and I recommend them to anyone interested in repairing their credit score. Great company to work with! MK

11 years ago

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quynetta johnson Ardsley, NY

I am a customer of clean credit solutions and they are fantastic. When ever i asked formy credit report they were able to pull it for me FREE OF CHARGE. This company is very professional and caring. Any questions or concerns i had were answered. Not only do they have low prices and are willing to work with you they offer other services to help maintain good credit not to mention invites to BBQs they treat you like family. I give them 100% A+

11 years ago

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Lee Thomas Port Saint Lucie, FL

Midland Credit Management filed suit against me in February 2021. I became very stressed over being sued, and after receiving several pieces of mail from attorneys, I was drawn to Clean Slate Debt Services. Jeff S. was able to have the case against me Dismissed. Thanks to Jeff S. and Clean Slate Debt Services.

3 years ago

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Yomaira Rodriguez South Ozone Park, NY

Although I didn't get the chance to speak to Jose himself, I had a great experience with this company. They did as promised. They really helped my credit. It wasn't expensive at all. Very reasonable with they're pricing. Today I have a great credit line thanks to them. Have already recommended friends and family and would definitely keep recommending. Thanks for the help.

6 years ago Edited September 14, 2021

Clean Slate Credit Solutions Logo

Reply from Clean Slate Credit Solutions

Thank you so much Yomaira. I am glad my team was able to help. If you ever have any questions in the future, please send me an email.

Feb. 12th, 2018

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Jennifer Rivera Trenton, NJ

Clean Slate Credit Solutions is a great company built on determination, honesty and loyalty to all their customers. Jose's advice and lessons continue to help me put my financial status back on track. I'm beyond grateful for his hard work and professionalism.

6 years ago

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Maria Bloomfield, NJ

Clean Slate Credit Solutions are an amazing company. They get the job done! They won't stop until it's accomplished to improve your credit. Jose personally even follows up to make sure all is well after using their services. I would definitely recommend their services.

6 years ago

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ria Edwards

Clean Slate Credit Solutions helped my husband and I better understand our credit, it's worth and the ability to clean and rebuild. The experience was hassle free and overall extremely positive. Questions were always answered and advice was provided. I would recommend them to anyone.

6 years ago

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Yvonne Kapitza Port Washington, NY

Jose and his entire team are awesome, I highly recommend using their services. The only thing you will lose is your bad credit. With the help of their services you will enjoy a wonderful clean slate high credit score for the rest of your life.

6 years ago

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Erika Flores Los Angeles, CA

Great customer service. Been with them almost a year and they have tremendously helped me improve my credit scores. I couldn't be more happier. Every question I needed answer was received back in a timely manner. Never once did I feel like I was being ignored. I was able to get a new car on my own with the new credit scores I have now.

6 years ago

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selina Murray sims

CleanSlate is a really good company that help u personally with your needs they have gotten my credit rate up 250 plus points up they keep u aware of all your needs I would recommend if u want good credit sign up with CleanSlate Credit Repai

7 years ago

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Naida I

I am very satisfied and happy with the end results and service Clean Slate credit solution provided for me. Jose and others at the company were very helpful and persistent in making sure you stay focus on keeping your accounts' payment on time. Love their service will recommend to anyone.

7 years ago

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Janelle Lake Worth, FL

Clean Slate was very efficient in helping me build my credit score and be approved for a mortgage within a year of working with them! They were up front, honest, and affordable. I would recommend them to anyone looking to build their credit!

7 years ago

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Enid Moyeno Succasunna, NJ

The best credit repair business in nj. I've recommend it to everyone. With their help, I accomplished everything I planned. My credit went from 513 to 650 in 6 months. I am extremely happy with their services. Well worth the money.

7 years ago

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Mitchell Tolbert

Initially I was disappointed with their process because it was not completely apparent how their system works. However, when I did bring up my issues, to their credit, they immediately began addressing them. Their attorney actually filed a class action suit against one of the collection agencies on my bureau all at no cost to me.

7 years ago

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Jemand Eze Asbury Park, NJ

All I know is, I was able to get an awesome deal on my 2013 Jeep Grand Cherokee because Clean Slate raised my credit score from 650 to 810, In less than 4 months.. True Story. And for that, I am eternally greatful. And I'll keep referring my clients to them.. Thanks guys! :)

11 years ago

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Erin Monmouth Beach, NJ

We have nothing but excellent things to say about Clean Slate Credit Solutions. Jose is professional, curteous and dedicated to making his customers' dreams come true. There is no confusion about this company, they are honest and up front, tell you what can be done for your credit and charges accordingly. Couldn't ask for more!

11 years ago

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Juan Ramos Matawan, NJ

The reason I chose Clean Slate Credit Solutions among other credit service companies was because of their guarantee policy. Also, because in a time where I don't have the time, they pulled my credit reports from all 3 bureaus at no charge and I truly could not be happier with this company, their services and their results!

11 years ago

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Candy B. Asbury Park, NJ

I'm pleased 100% with clean slate credit solutions. Not only put me back on track but also helped me boost up my credit score in a way i never thought it could be. They always point that my services are guaranteed. Thank you Clean slate!!!!!

11 years ago