5 PLATES TO A CLEAN SLATE
At Clean Slate Credit Solutions, we make every effort to make the credit repair process as easy and hassle-free as possible. We have designed a proven and effective way to help repair and build our Clients credit. Our “5 Plates to a Clean Slate” focuses on raising our Clients credit score which is calculated by 5 factors. Payment history (35%), Debt owed (30%), length of credit history (15%), new credit/inquires (10%), and mixture of credit (10%).
The First Plate
Credit Report Consultation
The 1st Plate to a Clean Slate is our free Credit Report Consultation. Our company only charges you after the items are deleted off your credit report so we need to analyze your credit report to give a proper estimate. We can then determine if you need any help in the areas below:
Schedule a 30 minute Credit Report Consultation with our sales department to go over your credit report.
Building your credit
Student loan consolidation
Applying for a mortgage or auto loan
Refinancing a mortgage or auto loan
The Second Plate
Initial Credit Audit
The 2nd Plate to a Clean Slate is to enroll in our program after speaking to one of our Senior Credit Consultants, and for us to conduct your Initial Audit. We will perform the following services below and more:
Provided with 24/7 Online Account Access
Prepare 1st Round of Dispute Letters
Added to Credit Repair Lab Facebook Group
Enroll in Credit Monitoring
Schedule Welcome Call
Obtain Identification Documents
As we file the disputes with the credit bureaus, creditors and collection agencies on your behalf, they will then mail you the dispute results, which you will need forward to us immediately.
We will analyze the dispute results, and if the inaccurate items are deleted or corrected, we will devise a new strategy and re-dispute the negative items again.
We are one of the only few companies that will even file disputes and complaints with the Consumer Financial Protection Bureau (CFPB) and Better Business Bureau (BBB) to help expedite the disputes and with ensuring that the disputes are being investigated correctly.
A lot of our clients see results in as little as 30 to 45 days, but see maximum results in six (6) to nine (9) months. The 2nd Plate can contribute to 30% to 35% of your credit score and our clients are seeing an average of 50% to 75% of inaccurate items being deleted once this step is complete.
The Third Plate
Build & Establish Credit
The 3rd Plate to a Clean Slate is is to start building and establishing credit. We recommend that you have at least five (5) open & active accounts on your credit report to maximize your credit score. Our company will help and guide you with applying for the following:
Authorized User (AU) Accounts
Secured Credit Cards
Credit Builder Accounts
Department Store Charge Cards
Merchandise Credit Lines
This is the most important step in our program. You will not see your credit score increase unless you add positive accounts to your credit report.
This Plate alone will raise your credit score dramatically because adding positive credit lines to your credit report covers four (4) areas; payment history, length of credit history, new credit, and mixture of credit for a total of 70% of your credit score. Now do you see why this is the most important?
WE HAVE ANSWERS!
We are the Credit Experts
Let us help!
The Fourth Plate
FDCPA / FCRA Violations
The 4th Plate to a Clean Slate is to see if there are any violations of the Fair Debt Collection Practices Act (FDCPA) or the Fair Credit Reporting Act (FCRA) on your credit report or by collection agencies. We partnered with an attorney that will help you against any unfair or abusive practices by debt collectors. Here are some actions a collection agency is not allowed to do:
Call Before 8:00 a.m or After 9:00 p.m.
Use Abusive or Profane Language
Contact Your Relatives or Neighbors
Mention Damage To Your Credit Score
Call You At Work If You Told Them Not To
Avoid Validation on a Disputed Account
These accounts mainly include any open collection accounts and charge-off accounts that still have a balance. If any violations are found, you may be entitled up to $1,000. This step can also contribute to 30% of your credit score.
The Fifth Plate
Our 5th Plate to a Clean Slate is for you to complete our program. We will ensure that we have done everything possible to remove as many inaccurate negative items as possible and prepare an exit strategy for you. Most importantly, we will refer you to our partners to help you take advantage of your new credit.
Mortgage Brokers/Loan Officers
Real Estate Businesses
Business Loans/Merchant Advances