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How Credit Repair Works

Here is a step-by-step breakdown of what we do, how we do it and why.

Credit repair is a delicate balance of persistence, methodology and patience. There is no quick fix to a file, no perfect solution to make a score rise and no "secret weapon" to "erasing debt".

What does exist are a series of laws enacted by The Congress and other Federal and State institutions to help consumers identify information contained in their credit files.

The Fair Credit Reporting Act or as it is commonly known the FCRA is a series of guidelines enacted by The U.S. Congress to protect consumers and limit the way Credit Reporting Bureaus and Analytics companies deal with, transmit and report information. Later on, other laws and ACTS would be passed for greater clarification and to give consumers the tools needed to engage creditors, lenders and anyone who has an interest in collecting data and selling it or making it available to others.

Inside the FCRA, FACTA, FCBA are the specific guidelines and language which allow consumers to inquire after their credit, correct errors or open disputes and/or claims.

The Credit Repair Organization Act, (CROA) sets out guidelines for the way Credit repair organizations are to conduct business. This part is not optional, this is the law.

Overcharging, improper wording, unsubstantiated claims, illegal marketing and business tactics which may imply a personal knowledge of/or which predict matters which cannot be predicted, are clearly outlined as improper and unethical. The penalties for non-compliance are also available to consumers. This just means that people or companies representing themselves as "experts", in hopes of gaining financially from a transaction where they "clean", "erase", "remove" or "delete" someone's "bad" credit are held to account for deceptive practices.

Such is illegal. It violates Federal law & in some cases, State law as well.

The truth is all consumers have the right to know what is in their credit files. have the right to request a FREE credit report from the top 3 reporting bureaus (Experian®, Equifax® and TransUnion®) independently of any firm, organization or company.

They also have the right to request information, which is inaccurate, incomplete, outdated or fraudulent, to be removed permanently from their files if such information can be used against them or in consideration of their credit worthiness.

Errors such as simple name misspellings and one number or two number errors are NOT ENOUGH to have information deleted. These kinds of mistakes can be corrected if the information is factual. Only inaccurate, outdated, incomplete or fraudulent items can be requested to be removed.

Wording and application of law is greatly important here, as many people and companies see this as the way to sidestep or manipulate both the law and those who have no clear understanding of how credit repair works. Simple errors to factual information cannot be used to claim deletion or removal. Yet many companies stress that this is so.

The correct way to conduct business is to be clear, upfront and completely transparent.

Consumers have rights, and among those rights is—if they so choose—to be represented by firms which operate within the law, offer a clear and concise explanation of how they conduct business, what charges are and how they will be collected, the term of a contract and the right of the consumer to cancel without further obligation.

We urge our visitors to visit the consumer rights page, view the links, laws and acts which protect their rights and shop around before hiring a firm, company or organization to act as their agent. Many companies rope in clients and charge exorbitant "file creation", "processing" or "audit" fees.

There are guidelines as to what reasonable fees may be. generally speaking, nothing above $50 is considered legitimate. Red flags should go up when a company asks for monies upfront (it's illegal) they should definitely go up when those "fees" exceed $100 dollars.

Serious companies will also link their visitors to consumer information, will provide the resources for consumers to access their free credit reports and will make every effort for them to know their rights as they are written not as they are 'interpreted' by a firm, which may have a vested financial interest in representing them.

A consumer's choice to hire a firm should not be based solely on advertisements, reviews which cannot easily be verified or third-party private accreditation which can be seen as biased if such accreditation is paid for in any way. Consumers have rights. We have made it very clear that those rights should be made known to them as much as possible, without financial gain and with complete transparency.

The following is a step-by-step explanation of how we work, what our definitions are and what we expect from a client.

We are a business, but our business could not exist if it lacked the ethos of our founder.

A Clean Slate Credit Consultants Corporation is an American company proudly serving Americans, be they low income, fixed income, retired, veterans and/or military personnel.

To check if you are one of the 40 million Americans with incorrect information on your report or if you believe you are the victim of identity theft or fraud, please call us at 1-786-307-3585 to speak to one of our knowledgeable agents.

What our clients are saying

This company is OCD with their guarantee. I spoke with a nice operator who to my amusement informed me that if the lowest written quote was $1,

A Clean Slate Credit Consultants would work on my file for free. I don't expect free service, but I liked their solid commitment to their guarantee.

- Mark Clavel, Miami Beach, FL. - Client since 2016

Any Questions? Drop us a Free Call


Our process explained

What to expect and why

Your File

'Your file' is defined as the contractual agreement and all open, closed and pending claims in dispute by our firm and you, our client.

Your Confirmation Numbers

Confirmation numbers are numbers attached to each and every filing we submit on a client's behalf with any or all of the top 3 credit reporting bureaus. We keep a copy of the initial claim number but do not get copies of the claim numbers associated with the progression of any particular claim. Likewise, we do not get copied on progress reports or other documentation as per security guidelines. We suggest claim numbers be kept on file during the entire process, however we delete them after a case is closed or completed.

Client Responsibility

Clients are responsible to keep us updated with copies of letters, emails and other information pertinent to claims filed by us or as a result of our efforts. We do not get copied by the top 3 credit reporting bureaus. It is the sole responsibility of the client to pass information along in a timely manner, we will not ask after such.

We cannot stress this enough. A 'timely manner' is defined as no longer than one week from receipt of any pertinent communication. Failure to comply with this clause may void our contractual obligations and our money back guarantee under 'noncompliance' and/or 'breach of contract'. Clients found to have failed in this capacity will have their contract cancelled, as this nullifies our efforts.

What our customers are saying

The guy who started this worked for, something must have rubbed off. 5 stars ★★★★★

- Marjorie Shorek, Client since 2016

Our Team

We love building products for you

How long a claim lasts

We all like the things we pay for to be fast. However, there are things which cannot be timed with accuracy. We can take an educated guess based on past performance, but we cannot give a specific time frame for each case.

Based on past performances, the average time is between 4 to 6 months. On rare instances claims are completed in 1 to 2 months, depending on a few variables such as age of debt, documentation, type of inaccuracy or fraud. During the claims process we require that clients make themselves available should any or all of the top 3 credit reporting bureaus require information verification. This is extremely important to clients claiming fraudulent activity.

Automatic Payments month to month

The Fair Credit Reporting Act stipulates that credit repair organizations/individuals cannot charge for work not completed. This means no one can charge a client up front for work which is not done. We process payment month to month with the first payment being debited at the completion of our initial filing.

This is how we bill, in 30-day intervals. Since we are constantly working on a clients file, cancellations may incur a final payment for work completed and/or in process of submission.


Cancellations can be made by email, text or calling. We don't mind but prefer transparency whenever possible. Cancellations cannot be made by simply refusing to communicate with our firm. We're easy to talk with and don't engage in pressure tactics to retain service.

No other requirement is necessary when cancelling.

What we Guarantee

We guarantee the lowest prices in the continental U.S. and its lawful territories for comparable services. 'Comparable Services' is defined by full-service package without additional fees or costs of any kind over and above the agreed upon monthly payments. This is akin to saying service as good or greater than a service offered by us.

we guarantee a 180-day full money back guarantee. Because items in a credit file change over time, persistence and methodology are the keys to success. We have 180 days (6 months) to affect a minimum of three (3) changes on a client's consumer credit file from any one (1) of the top 3 credit reporting bureaus. If in this time erroneous items are not deleted from a file, we refund the clients' money in full, minus interest (we don't use interest bearing accounts when dealing with client payments)

We guarantee a turnaround time of 5 to 12 hours from initial consultation and signature of our contract/agreement. It should be noted that events out of our control voids this guarantee. We submit to 3rd party secure servers and are not responsible for errors or slowdowns on the servers these companies use. We are not responsible for delayed results out of our control.

Note: Natural disasters and severe weather may be quantified as variables outside of our control

What we do not Guarantee

We cannot guarantee scores rising in any specific manner or time frame. During the process of repairing erroneous information, it is normal for scores to rise and fall. Scores depend on different variables and not all reporting bureaus score the same way. It is possible to have a lower score after the removal of items from a file, likewise a rise is also normal. There is no telling and therefore no way to guarantee these changes.

We cannot guarantee that our work will result in specific removal of information, inaccurate or fraudulent. For this reason, we offer a money back guarantee to comply with state and federal law where applicable.

We cannot guarantee that specific results will be available in a specific time frame. Generally speaking, changes have been noted as early as 30 days to as long as 180 days.

We cannot guarantee any service which is illegal or unethical or in direct violation of the law.

Our Due Diligence criteria

As part of our due diligence, we perform public record searches and soft credit inquiries to verify accounts, addresses, and names or name variations. We verify documentation provided by clients in support of items (be these police reports, court proceedings, divorce decrees, etc.) which are to be removed. Once our criteria are met, we process each clients claims and submit them to the appropriate credit reporting bureaus. Clients will receive email confirmation from these bureaus complete with verifiable claim numbers and a concise listing of explanatory reasons.

Suspicious activity/flagged claims

To insure the best possible experience is made available to our clients we maintain the highest standards of due diligence, criteria check and compliance of any competitor. Suspicious activity on behalf of an individual can damage our reputation with all of our clients and violates the ethos under which we are founded. We flag ISP's and IP addresses and otherwise block those found to be violating our due diligence criteria and/or seeking to violate the law.

Third party Consumer Protection

We don't employ third party consumer rating companies. Due to recent investigations many third-party consumer rating companies have been found to engage in dubious practices and pay for play schemes. We do not believe the integrity of a rating should be compromised or influenced by monetary gain. In order to ensure our performance and to provide our clients and visitors with transparency, we proudly link to The Federal trade Commission, The Consumer Financial Protection Bureau and The Attorney General of Florida. (Florida being our charter state)

We also provide more useful and unaltered links to government organizations, consumer watchdog groups and the ACTS governing consumer credit laws as approved and enacted by The Congress.

Each of the organizations listed above keep lists of consumer complaints against companies involved in credit repair and they take complaints from those who have been the victims of frauds, scams or other abuse. In our opinion it is the best protection available because it is free to both company and consumer.

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