Clear Credit was founded in 2004 in South Carolina. Clear Credit offers an affordable credit repair plan and is well below the industry price average for similar credit repair plans. Clear Credit works with all three credit bureaus to repair client’s credit. Clear Credit offers one affordable package to fit customers credit repair needs.

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Monthly Price
Company Rating


$79.95 -119.95







The Good

  • Low monthly price
  • Low initial cost


Clear Credit offers a very affordable credit repair program. It is substantially lower than the industry average for monthly and initial fees. This affordability gives lower-income clients an opportunity to fix their credit without breaking the bank. The monthly fee is $50 and the initial fee is $60 making their plan available for almost anyone. Clear Credit offers one package for credit repair, which simplifies their services.

The Bad

  • Limited plans
  • Have to send files
  • No consultation

Limited Plans

Clear Credit only offers one package, the credit repair program for $50 monthly with an additional initial fee of $60. Other credit repair companies offer different packages to tailor to credit repair needs. Some of these varying packages may offer more in depth services for higher prices, or have specialized services for clients with extreme circumstances. With Clear Credit there is only one option that has to fit everyone.

Sending Credit Files

A major drawback to Clear Credit is the process of having to receive credit reports and send them to Clear Credit. This can take a great deal of time and effort to send and receive files versus having the information online. Most competitors have the information online or have the information available over the phone. Other credit repair companies also have online tools to enable clients to see the progress of disputes.

Consultation and Education

Clear Credit does not offer educational materials to help their clients maintain good credit or become more financially educated. Other credit repair companies usually offer videos, tools, articles, guides, courses, or blogs to help their clients become more well informed. Clear Credit does not offer consultations or coaching sessions. Consultations can be very beneficial for a client to learn and improve. It’s also an opportunity for a client to ask questions and become more clear on specific topics.

The Bottom Line

Clear Credit would be a great option for potential customers who cannot afford competitors prices. Clear Credit does not offer consultation, education, and only offers a one plan fits all package. Clear Credit also does not have some of the convenient features that its competitors offer such as online status of disputed items, or 30 day automatic updates. It is recommended that potential customers research their options before choosing to repair their credit with Clear Credit.

Frequently Asked Questions

How much does Clear Credit services cost?

Credit Repair Program- Sign up $60, $50 monthly- this program helps clients improve their credit scores by deleting items that are erroneous, inaccurate or unverifiable .

Does Clear Credit allow me to enroll more than one person or my whole family?

No, Clear Credit does not allow you to enroll more than one person or your family.

How does Clear Credit repair my credit?

Once Clear Credit receives your credit report they will work with all three credit bureaus. A credit specialist will analyze and find the negative and incorrect items that should be disputed. The specialist will then fill the necessary documentation to start removing these negative and incorrect items. The specialist will stay in contact with the credit bureau until these items are corrected.

How long will it take before I start to see results with Clear Credit?

Typically customers can start to see improvement within the first 30-45 days of service.

How can I contact Clear Credit?

Phone: (888)876-8880
Email: [email protected]
Office Hours: Monday-Friday 9:00 am – 5:30 pm EST

More Information

How It Works

Step #1: Signup
When you sign up with Clear Credit, you will order your credit files from Transunion, Experian and Equifax. You will receive the files within 7-10 days. When you receive the files you will then send the reports to Clear Credit. After the initial analysis, the experts will identify the items that need to be disputed. The experts will then prepare a plan to help you receive your optimal credit score.

Step #2: Dispute
After identifying the items and preparing a plan, the experts begin drawing up the needed documents and work directly with the credit bureaus on your behalf. The experts focus on removing the items that are inaccurate and negatively impacting your credit. The experts will stay in contact with the credit bureaus throughout the process. Within 30-35 days you will be sent back a report with all of the updated and deleted items that were disputed.

Step #3: Results
In as little as 30-45 days you can expect to see some results. The experts will continue to repeat the dispute process until your credit score is optimal or you have cancelled your subscription. The experts will keep you updated with your progress and results.

What to Expect when Signing up

1. On the Home page you can choose to call, email or fill out the form.
2. To fill out the form, stay on the Home page and scroll towards the bottom.
3. Fill in the form with your name, email, phone, and a message regarding any questions or your desire to sign up for the credit repair program. Once you have finished filling out the form, click the Send button.

What can be removed?

Clear Credit can only remove information that is inaccurate, unverifiable, misleading, untimely, and unclear. Clear Credit cannot remove negative items that are 100 percent accurate and free from error.

  • Credit Inquiries
  • Late Payments
  • Collection Accounts
  • Liens
  • Repossessions

Published Results

Clear Credit does not provide any published results at this time. Credit repair companies often include published results to show how their services have helped improve their customer’s credit scores. By publishing these results potential customers can see the average success of current and past clients. Note that not publishing these results does not reflect positively or negatively on Clear Credit, but should be considered by potential clients who are researching credit repair companies.

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