First-Time Home Buyers with Bad Credit: What To Do

First-Time Home Buyers with Bad Credit

Buying a home is stressful, especially when it’s your first time. There are so many questions bound to arise, and so many things to consider. First-time home buyers with bad credit will have even more stress and steps on top of what is already expected. If you have your heart set on a new house, but have bad credit, you’re not out of luck. Here’s what you should do.

First-Time Home Buyers with Bad Credit: What To Do

Find a lender who will work with bad credit

If you have low credit – or no credit – there are people who will work with you. It’s possible that you will have to contact several lenders before you find the right one. Most lenders require that you have at least a 620 credit score before agreeing to work with you. However, once you find that golden lender, it will help immensely.

Check out FHA loans

FHA loans are very popular among first-time home buyers. With these loans, you can qualify with a lower score. The required score here is 580, with a 3.5% downpayment. You’ll also have to show stable employment of at least two years with the same company or in the same line of work. Verifiable income is also required through W2s, tax returns, paycheck stubs, and bank accounts. With FHA loans, you can’t have any late payments within the last year, although there are some exceptions.

No credit check with FHA loans

If you have no credit, some lenders may be able to get you a loan. To do this, they’ll use alternate lines of credit, such as utility bills, phone bills, and rent payments. This will establish a positive payment history. You’ll only get this established if you really do have a positive payment history, meaning no late payments in the last year.

Shop for the best mortgage rate

It’s recommended that you get quotes from at least three lenders. Interest rates and loan fees will vary from lender to lender, so getting multiple quotes will ensure you’re getting the best deal. Don’t worry, all these inquiries won’t hurt your credit. FICO allows a 30-day window for “rate shopping” when inquiries from different sources will only count as one inquiry.

Improve your credit score

Improving your credit score is not only a way to get a better mortgage, but it will also give you peace of mind. We can help you improve your credit in 30 days to help you get on track to getting that loan even faster. Making sure your credit score is at its maximum before submitting your contract will help make the purchasing process easier and will also help you get a better interest rate.

First-time home buyers with bad credit can still get that house they’ve been eyeing. If you have any questions regarding the process or improving your credit, give us a call at 1-866-991-4885.


No matter what your situation, Go Clean Credit has a solution. We have many credit repair programs that are available to help you overcome your credit situation and place you back on the path to financial success. Real credit restoration is not a once size fits all model and we tailor your needs to the right program, but most people can start for just $99 per month.

We have fixed price programs that get you back on track in as little as 5 months, debt resolution solutions, programs geared toward people who have had recent short sales or foreclosures and many others. Help is just a free phone call away, or you can fill out an appointment request. Contact Go Clean Credit to schedule a free consultation today.

6 Reasons to Avoid a Payday Loan

reasons to avoid a payday loan

Sometimes a payday loan is the best option when you’re really in a bind. If you can avoid getting one, though, you could end up better off in the long run. There are a lot of problems that can arise from getting into a payday loan agreement. Here are some of those reasons to avoid a payday loan.

6 Reasons to Avoid a Payday Loan

1. There are hidden fees

Going with a payday loan means putting up with a lot of hidden fees. For every amount borrowed, the lender will assess a charge. This charge will be added on top of the loan capital and sky high interest rates. When you agree to a payday loan, make sure you read the fine print so you know what you’re getting into.

2. Banned or highly regulated

Payday loans are regulated in many states. This is in order to ban or limit the interest rates, fees, and billing practices of many payday loan lenders. Often times lenders will take advantage of borrowers who can’t get a loan anywhere else. They will scare them into paying more than they have to because they know they need this loan and will probably still take it.

3. Aggressive lending and collection practices

Another reason payday loans are frowned upon is their aggressive lending and collection practices. Some payday loan companies threaten people with prosecution or wage garnishment. These threats scare borrowers into paying off the balance. This collection practice is ILLEGAL and, if encountered, should be reported to the Federal Trade Commission (FTC).

4. Can end up in a cycle

It’s not uncommon to see people use another payday loan to pay off a previous payday loan. Some reputable lenders try to prevent these cycles from happening by keeping a database of their borrowers to avoid rollover.

5. Many companies require access to your bank account

They claim access is necessary so they can just pull the money out of your account to make things more convenient for you. However, if you fall behind and your balance grows, they won’t stop pulling the money out. Even if it’s become too big for you to handle. This then causes a chain reaction of overdraft fees from your bank.

6. Not the best for your financial future

Payday loans are great for when you really need some money fast. Unfortunately, the high interest rates, hidden fees, and collection practices make these loans not financially smart. In fact, they could actually make your situation worse.

If a payday loan is your best option, be careful and aware of what can come with them. Contact us if you have any questions about the reasons to avoid a payday loan. We’re happy to help.


No matter what your situation, Go Clean Credit has a solution. We have many credit repair programs that are available to help you overcome your credit situation and place you back on the path to financial success. Real credit restoration is not a once size fits all model and we tailor your needs to the right program, but most people can start for just $99 per month.

We have fixed price programs that get you back on track in as little as 5 months, debt resolution solutions, programs geared toward people who have had recent short sales or foreclosures and many others. Help is just a free phone call away, or you can fill out an appointment request. Contact Go Clean Credit to schedule a free consultation today.

What to Consider Before Getting a Credit Card with an Annual Fee

What to Consider Before Getting a Credit Card with an Annual Fee

Benefits from credit cards can be really helpful. There’s a lot you have to think about before you jump right into a rewards program. To help you make sure you don’t waste your money on empty promises, here’s what you should consider before getting a credit card with an annual fee.

What to Consider Before Getting a Credit Card with an Annual Fee

Are the benefits worth it?

When cards offer amazing rewards, lower interest rates, and better payment options, it means a fee for consumers. In order for these credit card issuers to afford handing out these benefits, they need to make money in other ways. That’s where the annual fees come in. So when you’re looking at a credit card with an annual fee, take a look at what benefits they offer and compare the cost to what you’ll get. Is the annual fee too high for what you’ll be getting? If so, that credit card might not be worth it.

Will you use the benefits?

If your’e paying the annual fee but you’re not taking advantage of the benefits, then the annual fee is a waste of money. It’s actually not unusual to see people paying an annual fee for a credit card and not take advantage of the rewards available to them.

Are the benefits easy to use?

If you find yourself jumping through a bunch of hoops to receive your rewards, they’re really not that valuable. When checking out credit cards, look for a link to the rewards page on their site. It should be completely clear how many points you have and what you can get with those points. If you need to talk to a customer service rep, then it should be easy to find their number. Upon calling them, you should get straight through to a real person and get clear responses to all of your questions.

Are there hidden fees?

Sure, it might look like a great deal on the surface, but once you start digging deeper, you could find that it’s actually not. Watch out for red flags like having to pay an extra fee to actually get your rewards. Some cash back cards will make you spend a certain amount of money before you can receive your check.

Is this the best deal out there?

Compare different rewards programs. Call customer service and ask them for more information if you don’t understand something. A lot of cards don’t offer a lot of information about their rewards programs, so it’s important to know what you’re getting into.

If you already have a card, check every so often to make sure your benefits are still there. You don’t want to suddenly lose benefits you’ve always taken advantage of. And don’t be afraid to ask ask your card issuer to waive the annual fee. The worst thing they can say is no, so it doesn’t hurt to ask. Who knows, it might pay off and they’ll waive the fee for the year.

If you have any questions regarding what to consider before getting a credit card with an annual fee, give us a call at 1-866-991-488. We’re here to help!


No matter what your situation, Go Clean Credit has a solution. We have many credit repair programs that are available to help you overcome your credit situation and place you back on the path to financial success. Real credit restoration is not a once size fits all model and we tailor your needs to the right program, but most people can start for just $99 per month.

We have fixed price programs that get you back on track in as little as 5 months, debt resolution solutions, programs geared toward people who have had recent short sales or foreclosures and many others. Help is just a free phone call away, or you can fill out an appointment request. Contact Go Clean Credit to schedule a free consultation today.

Can a Credit Card Grace Period Help You Save On Interest?

Can a Credit Card Grace Period Help You Save On Interest

With credit cards, interest is a constant shadow that looms overhead. Just the thought of having even a slightly higher payment for the month is enough to bring any cardholder down. Thankfully, a credit card grace period could help you avoid interest and save money.

Can a Credit Card Grace Period Help You Save On Interest?

Credit cards are not required to have a grace period, although almost all of them do. Credit cards that do have a grace period are required to send their cardholders a statement at least 21 days before the closing date.

What is the grace period?

A credit card grace period is the time between the statement closing date and its due date. During this time,  if a cardholder is able to pay their balance in full and on time, they will avoid interest charges.

How does it work?

Basically, cardholders are accruing interest on all of their purchases, but they don’t see those charges if they pay their balance in full during their grace period. However, if they make a payment that’s less than the balance, they will see the interest. When someone doesn’t pay their balance in full, they will be charged interest on their average daily balance going back to the start of the statement.

What if the grace period isn’t used?

If a person is to leave even just $1 unpaid, it will start to accrue interest during the next billing cycle. On top of that, any purchase made will now immediately have interest charges added on to it.

If you do lose your grace period, some cards require that you make two full payments to reinstate it. Carrying a balance can also leave you subject to trailing interest, or “residual interest.” This type of interest can build up on your balance before you have a chance to pay it off. Even if it says you’ve paid in full, you could still have residual interest looming on your balance.

How to best manage a grace period

Know the statement closing date

Knowing the statement’s closing date makes it easier to know when it’s best to make payments. Make purchases just after the closing date, as opposed to just before. This allows for more time to pay off the balance.

Get grace period back as quickly as possible

If a grace period is lost, it’s best to get it back as soon as is possible for the cardholder. To do this, they should make a payment to cover the entire balance. Unfortunately, this won’t affect the interest already accrued, but it can make future purchases eligible for the grace period again.

Maintain grace period on some cards

Sometimes a credit card has to hold a balance. When that happens, leave that card for balances that are going to have to be carried over. Have other cards that will be paid in full each statement.

Do you have any questions regarding the credit card grace period and how you can use it to your advantage? Let us know. We’re here to help.


No matter what your situation, Go Clean Credit has a solution. We have many credit repair programs that are available to help you overcome your credit situation and place you back on the path to financial success. Real credit restoration is not a once size fits all model and we tailor your needs to the right program, but most people can start for just $99 per month.

We have fixed price programs that get you back on track in as little as 5 months, debt resolution solutions, programs geared toward people who have had recent short sales or foreclosures and many others. Help is just a free phone call away, or you can fill out an appointment request. Contact Go Clean Credit to schedule a free consultation today.

The Link Between Credit Score and Car Insurance

The Link Between Credit Score and Car Insurance

If you’re in the market for car insurance, you usually want to find the lowest premium possible. Because your credit score is so important to determining every financial step you can take, it’s no surprise that it factors in here. Your credit score and car insurance premium will go hand-in-hand when it comes time for insurers to figure out your cost of coverage.

The Link Between Credit Score and Car Insurance

Does your credit score affect how much you pay for insurance?

Yes. Car insurers do look at your credit score to help determine how much you’ll pay for coverage. If your credit isn’t up to par for them, they’ll charge you more for your premium, even if you have no accidents. Your credit score offers a predictive factor that insurers can’t get from things like your driving record, vehicle type, and age. Using your financial history, as well as these other factors, insurers will determine your insurance score.

What is your insurance score?

Also known as your insurance credit score, it plays a big role in how much you’ll pay for insurance over time. The number determined for you represents how likely it is that you’ll file a claim during the time you’re using coverage from the insurer. The higher your score, the lower your premium. Conversely, the lower your score, the higher your premium will be.

Do you have any questions regarding the link between your credit score and car insurance? Let us know! We’re always here to help, just call 1-866-991-4885.


No matter what your situation, Go Clean Credit has a solution. We have many credit repair programs that are available to help you overcome your credit situation and place you back on the path to financial success. Real credit restoration is not a once size fits all model and we tailor your needs to the right program, but most people can start for just $99 per month.

We have fixed price programs that get you back on track in as little as 5 months, debt resolution solutions, programs geared toward people who have had recent short sales or foreclosures and many others. Help is just a free phone call away, or you can fill out an appointment request. Contact Go Clean Credit to schedule a free consultation today.

Can You Close a Credit Card Without Hurting Your Credit Score?

Can You Close a Credit Card Without Hurting Your Credit Score

Before you snip that card in two, understand that there is more to closing a credit card. If you’re looking to close a credit card without hurting your credit score, think about these important aspects to do it right.

Can You Close a Credit Card Without Hurting Your Credit Score?

Should you cancel your credit card?

Although you may want to cancel that credit card, you have to ask yourself if you should. Eliminating one more source of fees that you don’t need sounds great, but it might not be the best move.

  1. Canceling a card could help you avoid annual fees or high interest rates.
  2. Closing a card could reduce your available credit and average age of your accounts, therefore decreasing your credit score.
  3. You may need to open a new card before you close another.

Reasons to cancel your credit card

There are many valid reasons to cancel a credit card. Perhaps you don’t want to be tempted to spend excessively or the terms of your card are no longer friendly. Essentially, you cancel cards that are unnecessarily costing you money. Before closing your account, though, you can request a lower interest rate from the card issuer. However, they may not respond favorably. Annual fees are often a reason to cancel a card, especially if the issuer won’t waive the fee. Opening a new credit card can also be a good reason to close one of your other cards. This is only a good idea if you get a great deal when you sign onto the new card.

Understand that if you’re closing a card to try to help your score, taking all the right steps doesn’t necessarily mean your score will improve right away. Payment information may stick around for a while. So if you had some late payments on the now closed card, they won’t just disappear.

The impact of canceling a credit card

Potential lenders look at your credit utilization ratio. Included in the ratio is how much credit is in use and how much credit is still available. So, if you cancel a card with a high limit, it will significantly affect your ratio. In turn, it could hurt your credit score. Your score is especially at risk if you have high balances on other cards. To make sure closing one account doesn’t impact your score, pay off the balances on all other cards. Zero balances means a credit utilization ratio of zero, so you won’t feel the hit of the loss of a balance.

You also need to consider the age of your accounts. Old credit is good. If the account you want to close is older, it will decrease the average age of your credit and be potentially harmful to your credit score. Closing an older account could have a negative impact on your score.

Do you have any questions about how to close a credit card without hurting your credit score? Give us a call at 1-866-991-4885.


No matter what your situation, Go Clean Credit has a solution. We have many credit repair programs that are available to help you overcome your credit situation and place you back on the path to financial success. Real credit restoration is not a once size fits all model and we tailor your needs to the right program, but most people can start for just $99 per month.

We have fixed price programs that get you back on track in as little as 5 months, debt resolution solutions, programs geared toward people who have had recent short sales or foreclosures and many others. Help is just a free phone call away, or you can fill out an appointment request. Contact Go Clean Credit to schedule a free consultation today.

The Pros and Cons of Credit Union Credit Cards

The Pros and Cons of Credit Union Credit Cards

The Pros and Cons of Credit Union Credit Cards

Banks aren’t the only institutions that offer credit cards. If you’re not having much luck getting approved for one, look into credit union credit cards. They offer more chances to get a credit card that can potentially make it easier for you.

The Pros and Cons of Credit Union Credit Cards

Pros

You’re a member, not a customer

Credit unions are member owned, nonprofit organizations. This means their goal isn’t to turn a profit, and they don’t have to answer to stockholders like banks do. Instead, their main goal is to provide excellent service to their members. So yes, you do have to join to get the benefits of a credit union, but it’s pretty easy to do so.

They’ll give you a second chance

It’s not every day you get the chance to try again for a loan or a credit card. However, with a credit union, if you apply and are turned down, you can as them to look again. Some credit unions have loan committees that consist of employees and members. They are the ones who look over the initial application. But, if you want a low-interest credit card and believe you have the income to support it, you can write a letter to this committee to explain why. Even if you just want a fresh start, you can write to them and explain your circumstance.

Flexible Payments

Credit unions want to provide you the best customer service to their members. That being said, they will attend to your needs and can basically be a friend for you during financial hardship. In doing so, they will work with you to modify loans and credit card terms to help you get back on your feet.

Low Interest Rates

You’ll often be offered a lower interest rate than you would with a bank. They manage transactions on their own as opposed to relying on different sections of the company to process funds. A lot of costs get cut this way, which saves you money. If you tend to take a few months to pay off your credit card, a credit union could potentially save you money in the long run.

Cons

All your accounts are tied together

Having all your accounts tied together is also known as cross collateralization.  Here’s how it works. If you already have a credit union credit card and get a loan, your credit card balance will be secured by the loan. Therefore, if you default or declare bankruptcy, the amount that is owed on your credit card will not be wiped out. Instead, it becomes secured by the other loan.

They ask a little more of you

If you get a credit card on a second chance, they may recommend that you to take a personal finance. This is to ensure you know how to budget correctly and stay on top of your payments. Of course, this isn’t always the case.

They have entry requirements

Before you can be a member of a credit union, you have to approved for an account. For example, you may be required to have a job in a certain sector of the job force. So if you’re considering joining a credit union, it’s a good idea to call to see if you qualify for an account.

They have their own tough times

While they will be there to help you out during your tough financial times, that doesn’t mean they are safe from tough times of their own. Credit unions are local institutions, so if one area is hit by something such as layoffs, they will feel it. Don’t be surprised if your credit union closes down or becomes part of a larger credit union. It can happen. Fortunately, just like with a bank deposit, you’re protected up to $250,000.

Do you have any questions regarding credit union credit cards? Give us a call at 1-866-991-4885. We’re happy to help.


No matter what your situation, Go Clean Credit has a solution. We have many credit repair programs that are available to help you overcome your credit situation and place you back on the path to financial success. Real credit restoration is not a once size fits all model and we tailor your needs to the right program, but most people can start for just $99 per month.

We have fixed price programs that get you back on track in as little as 5 months, debt resolution solutions, programs geared toward people who have had recent short sales or foreclosures and many others. Help is just a free phone call away, or you can fill out an appointment request. Contact Go Clean Credit to schedule a free consultation today.

The Pros and Cons of Subprime Loans

The Pros and Cons of Subprime Loans

Making a big financial step often depends heavily on whether you can get a loan. If your credit score isn’t as good as it could be, that can be tough to accomplish. Thanks to subprime loans, though, it could be possible to get that much needed loan.

The Pros and Cons of Subprime Loans

Pros

Easy Approval

Usually a person is turned down for a loan because they have defaulted on a loan before or they have outstanding debt. Banks and lenders aren’t willing to take a risk on someone if they believe there is even just a small chance the borrower won’t make their payments.

Fortunately, in the subprime market, your credit score doesn’t have to be perfect. Subprime lenders will still approve you for a loan.

Usefulness

Subprime loans are a great way for people to pay off other debts. Having outstanding debt hurts your credit score, but a lower score isn’t a problem with subprime loans. Borrowers can get a loan, use it to pay off their debt, then make payments on the subprime loan on time. With the debt gone, they can now work toward improving their credit score.

In a way, subprime loans can potentially be a gateway toward better credit.

Still struggling with fixing your score? Here are some other tips on how to improve your credit.

Cons

Higher Costs

Subprime loans are a higher risk than prime loans, as lenders are taking a chance on someone who has a history of bad credit. This means that borrowers in this market are seen as more likely to default on their loan and therefore pose a higher risk. Because of that higher risk, interest rates are also higher so the lender has some cushion in case of a default.

Processing and other fees will also be higher with a subprime loan. Lenders want to collect more money upfront in case of default.

Income Demands

While subprime lenders will be more understanding of a borrower’s credit score, they will be tougher on their income and cashflow. A borrower must be able to prove they have sufficient income or cashflow that will allow them to make their monthly payments. If they can’t provide proof, they will likely be turned down.

Do you have any questions about subprime lending? Let us know! Give us a call today at 1-866-991-4885.


No matter what your situation, Go Clean Credit has a solution. We have many credit repair programs that are available to help you overcome your credit situation and place you back on the path to financial success. Real credit restoration is not a once size fits all model and we tailor your needs to the right program, but most people can start for just $99 per month.

We have fixed price programs that get you back on track in as little as 5 months, debt resolution solutions, programs geared toward people who have had recent short sales or foreclosures and many others. Help is just a free phone call away, or you can fill out an appointment request. Contact Go Clean Credit to schedule a free consultation today.

What To Do About Medical Debt On Your Credit Report

What To Do About Medical Debt On Your Credit Report

When injury or sickness hits, medical bills can quickly pile up. If you don’t stay on top of it, sometimes even the simplest miscommunication or error can seriously hurt your credit. If an unpaid bill does get reported to the bureaus, here’s what you can do about medical debt on your credit report.

Medical Debt On Your Credit Report

The new FICO 9 score weighs medical bills less heavily than other unpaid accounts. Because of this change, medical debt won’t have as much of an impact on your score as it would have in the past. Doctors and medical providers also don’t report debt to the bureaus. Instead, if you don’t pay a bill, they inform a debt collection agency who reports it to the bureaus.

Mistakes do happen, though, and sometimes medical debt gets wrongly reported. Fortunately, there are steps you can take to get this issue corrected.

Document the Error

If your medical bill has been paid but was still reported as unpaid, you should make copies of receipts and other documents that prove it’s an error. You can also request a current account statement from your doctor or the collection agency.

Contact the Credit Bureaus

Contact the bureaus as soon as you know about the error on your credit reports. There are two ways you can do this:

  1. Fill out a dispute form.
  2. Send a formal letter with copies of supporting documentation through certified mail.

Regardless of which method you choose, the bureaus are required to investigate the error and have 30 days to correct it.

Follow Up

After documenting the error and contacting the bureaus, follow up on everything. Check your reports to make sure all corrections have been made.

Pay All Bills

The best way to avoid any misunderstandings ending up on your credit report is to never ignore medical bills. If you’re not sure insurance covers it, talk to your provider. Don’t just leave a payment because you expect insurance to pay for it. If you’re going through tough times financially, try to work out a payment plan.

If the collection agency has made no mistake and you do, in fact, have an unpaid medical bill, you can’t take it off. The collection will remain on your credit report for seven years after the date it was reported. After that, it will finally be removed.

Do you have questions about what to do about medical debt on your credit report? Give us a call today at 1-866-991-4885. We’re here to help.


No matter what your situation, Go Clean Credit has a solution. We have many credit repair programs that are available to help you overcome your credit situation and place you back on the path to financial success. Real credit restoration is not a once size fits all model and we tailor your needs to the right program, but most people can start for just $99 per month.

We have fixed price programs that get you back on track in as little as 5 months, debt resolution solutions, programs geared toward people who have had recent short sales or foreclosures and many others. Help is just a free phone call away, or you can fill out an appointment request. Contact Go Clean Credit to schedule a free consultation today.

The Navient Lawsuit and Your Student Loans

The Navient Lawsuit and Your Student Loans

In January, the Consumer Financial Protection Bureau (CFPB) filed a lawsuit against Navient, the nation’s largest servicer of both federal and private student loans. The company was allegedly “systematically and illegally failing borrowers at every stage of repayment.” What does this mean for your student loans?

The Navient Lawsuit and Your Student Loans

Navient President & CEO Jack Remondi stated on his Medium blog, “At Navient, our priority is to help each of our 12 million customers successfully manage their loans in a way that works for their individual circumstances.” However, in their latest court documents, Navient now states that there is “no expectation that the servicer will ‘act in the interest of the consumer.'” Going further, they said contacting the company with issues didn’t mean it would necessarily act in the customer’s best interest.

The Navient Lawsuit

There’s a pretty good chance that, if you have a student loan, it may be serviced by Navient. In their lawsuit, CFPB alleged that they:

  • provided bad information to create obstacles to repayment
  • incorrectly processed payments
  • failed to resolve borrowers’ complaints through inaction
  • caused many borrowers to overpay for their students loans by illegally cheating them out of their rights to lower payments
  • deceived private student loan borrowers about requirements to release their co-signer from the loan
  • harmed the credit of disabled borrowers, including severely injured veterans

The Bureau also alleges that when borrowers could have qualified for income-driven repayment plans, Navient instead directed them toward forbearance.

To avoid falling victim to any of these situations, check out these tips for tackling student loan debt.

Navient’s Motion To Dismiss

“Borrowers could not reasonably rely on Navient to counsel them into alternative payment plans unless Navient had an affirmative duty to provide such individualized financial counseling. But the law imposes no general duty to provide information without some fiduciary relationship.”

Navient stated in court that it’s not their job to help borrowers. Their main job is to collect loan payments for creditors.

If you have questions about the Navient lawsuit and your student loans, call us today at 1-866-991-4885.


No matter what your situation, Go Clean Credit has a solution. We have many credit repair programs that are available to help you overcome your credit situation and place you back on the path to financial success. Real credit restoration is not a once size fits all model and we tailor your needs to the right program, but most people can start for just $99 per month.

We have fixed price programs that get you back on track in as little as 5 months, debt resolution solutions, programs geared toward people who have had recent short sales or foreclosures and many others. Help is just a free phone call away, or you can fill out an appointment request. Contact Go Clean Credit to schedule a free consultation today.