How to Freeze Your Credit [FOR FREE]

freeze credit

If you’ve been reading about ways to protect yourself against identity theft, you’ve probably heard of a credit freeze. In this article, we will discuss everything you need to know about freezing your credit report. Keep reading to learn how you can freeze credit for free!

What is a Credit Freeze and What Does it Do?

Essentially, freezing your credit means restricting third-party access to your credit report. Because most creditors need to see your credit report before they approve a new account, freezing your credit will make it harder for identity thieves to open accounts in your name. However, your credit report will still be accessible to existing creditors, debt collectors, and government agencies. By federal law, credit freezing is a free service that does not impact your score.  

So what does a credit freeze do for you? When you freeze credit, you are better able to control your assets and debt. However, it may make it more difficult for you to qualify for a new credit card or a loan. Additionally, it can make it difficult for you to access your own FICO score. It does not, however, prevent you from getting your free annual credit report. 

How Long Does a Credit Freeze Last?

When you freeze your credit, you can temporarily lift or permanently remove it at any time. However, unfreezing your credit requires you to have a password or PIN. These options can be helpful if you want to open a new account, take out a loan, or get a new credit card since you can’t otherwise do these things without access to your credit report. However, in most states, the credit freeze will expire after seven years.  

What is the Difference Between a Credit Freeze and Credit Lock?

You may have heard the terms credit freeze and credit lock used interchangeably. However, there are some differences between the two. The biggest difference is that credit freezes are protected by federal law, while credit locks are not. That being said, a credit freeze is much more secure than a credit lock. 

For instance, while unfreezing your credit requires you to call the credit bureau and provide a PIN or password, unlocking your credit can be done anywhere at any time -even from your phone. A credit lock is a good option to use as a preventative measure to guard your credit report from identity theft. However, a credit freeze is a better option if you believe your credit report and personal data have been exposed. 

Moreover, by federal law, all three credit bureaus offer free credit freeze. On the other hand, a credit lock is free at TransUnion and Equifax, but Experian requires a monthly fee. Whether you choose to either freeze credit or lock it simply depends on whether or not you need a secure way to protect your personal information through federal law, or you wish to protect your report while still having easy access.

How Do You Freeze Your Credit Report?

To freeze your credit report, you will need to contact each of the three credit bureaus: Equifax, Experian, and TransUnion. You will need to supply your name, address, date of birth, Social Security number, and other personal information. After your request has been processed, the bureau will provide you with a PIN number or password unique to you. If you wish to lift the freeze, you will need to have the PIN or password handy, so keep it in a safe place. Make sure you do this for all three bureaus in order to completely freeze credit.

Easily Get Credit Help Today!

If you have more questions about credit, a company like Go Clean Credit can be helpful! They are a passionate credit repair company that works to help individuals understand and repair their credit scores. For more information about how they can help you, contact them today!

What Credit Score is Needed for a Home Loan?

credit score needed for a home loan

Your home is more than where you hang your hat. It’s where memories are made—they are buildings that give you feelings of safety and security. 

Whether you will be a first-time buyer or a seasoned mover, buying a new house is a big step in life. While there are many aspects that go into purchasing a house, one of the most important is your home loan. Without it, you won’t be able to pay for the house at all. However, your credit score actually determines what kind of home loan you qualify for -and even if you qualify for a home loan at all. Luckily for you, in this article, we will explain the credit score needed for a home loan.

What Credit Score Will Qualify You for a Home Loan?

How To Read Your Credit Score

You can request your score from a number of places, such as a credit reporting agency. Here’s how to understand your score:

  • Excellent Credit: a score of 750 or higher
  • Good Credit: a score between 660 and 749
  • Fair Credit: a score between 620 and 659
  • Bad Credit: anything below 619

What Credit Score Will Lenders Accept?

Basically, the answer depends on the lender. If your score drops below 660, however, lenders will start to see you as a potential risk. Some lenders might not give you a loan even if you have fair credit. On the other hand, other lenders might say that a score of 640 or 620 is where the line is drawn where they won’t approve you for a loan. If you have a bad credit score, you can expect to be turned down by most lenders. The credit score needed for a home loan doesn’t have to be excellent, but it needs to meet a lender’s requirements.

On the other hand, you could qualify for a subprime loan or receive a loan from the Federal Housing Administration (FHA), which is one of the only lenders who provide home loans for people with bad or fair credit. However, they have a minimum score of 580 to qualify for a low down payment advantage, which is only 3.5%. If your score is below 580, you are required to pay a 10% down payment to qualify for loans. If you have a fair or bad credit score, an FHA loan might be your only choice.

Does Your Credit Score Affect Interest Rates On Home Loans?

Yes! The difference between excellent credit and fair or bad credit can cost you tens of thousands of dollars over time. The lower your score, the higher the interest rates. 

For example, according to “Home Loans with Bad Credit: What Credit Does For Your Payment”, if you have a home loan amount of $300,000 and an excellent credit score of 740, you qualify for the lowest interest rates possible. Let’s say your interest rate is 4.31% and your monthly payment is $1,487. One late payment can drop your credit score up to 100 points, so say one late payment drops your credit score to 690. 

Lenders might see you as a risk and raise your interest rate to 4.71%, which adds about $70 to your monthly bill. It may not seem like much, but over the course of your mortgage, you will ultimately pay $25,560 more than if you made the payment on time! Likewise, if your score was just 20 points lower at 670, the added cost would come to $39,600! 

In the end, your credit score has a huge impact on the terms and conditions of the loans you receive. The difference of a few points on your score could cost you tens of thousands of dollars. 

Should You Improve Your Score Before Taking Out a Home Loan?

Even if you have a credit score needed for a home loan, it is always a good idea to improve your score before taking out a loan. The lower your score, the more money you will pay and the harder it will be to get out of debt. However, if you can prove to lenders that you are trustworthy by upping your score, you will qualify for better terms and conditions and lower interest rates. Try improving your score before taking out a home loan and save yourself thousands of dollars over the course of your mortgage repayment!

Easily Improve Your Credit Score Today!

Though it might seem daunting to improve your score, it really isn’t too hard. For one, read about the ways you can improve your credit score in as little as thirty days. If you happen to have bad credit, you can also contact a company like Go Clean Credit, who helps people restore their scores. By taking action now, you can start improving your credit score today, ensuring that you receive the best deal possible when taking out a home loan!

How to Improve Credit Score in 30 Days

How to Improve Credit Score in 30 Days - Credit Repair Your credit score matters. Someone can take one look at your score and determine your mortgage and car loan rates, consider whether or not to approve your apartment or credit card application, and even decide whether or not to hire you for employment. Your credit score impacts many aspects of your life. Therefore, it’s vital that you start raising your score now (that perfect house isn’t going to be on the market forever). Keep reading to discover how you can improve your score in as little as 30 days!

Here’s how to improve your credit score in 30 days:

1. Pay down revolving balances to less than 30%

how to improve your credit score in 30 days Your aggregate debt and the amounts owed on all credit cards and all installment accounts make up about 30% of your credit score. The most common revolving balances are amounts owed on your credit cards. However, there is a big difference between the revolving balances of someone with a 780 credit score and a 680 credit score.
  • Credit score of 680 → revolving balances of 40%-50% of their credit card limits.
  • Credit score of 780 → revolving balances of 15%-25% of their credit card limits.
Essentially, don’t worry too much about paying installment accounts. They have a low impact on your score. Instead, pay your revolving balances off as soon as possible. At the very least, aim to pay those balances down to less than 30%. This will help to improve your credit score in 30 days or less.

2. Remove recent late payments

A single late payment can drop your credit score by 60 to 110 points. Yikes!
  • A 680 credit score → a 30-day late payment can drop your score by 60 to 80 points. On the other hand, a 90-day late payment can drop your score 70 to 90.
  • A 780 credit score → a 30-day late payment can drop your score by 90 to 110 points. In contrast, it can drop 105 to 135 points if you have a 90-day late payment.
The difference between a person with a 780 score and a 680 score is that the 780 score has no late payments, while a person with the 680 may have a 30 day late payment within the last year or a 90 day late payment 2 years ago. Removing a late payment will take persistence. There are a couple of ways to request removal. The most common and effective way is to call the original creditor and ask for a goodwill adjustment. If they resist, you can even negotiate the removal of the late payment by agreeing to sign up for automatic payments. For other late payments, you can file a dispute against the late payment for inaccuracy.

3. Remove a collection account

how to raise your credit score in 30 days People with a 780 credit score do not have any collections or other major derogatory items on their credit report. If you do have a collection account reporting on your credit report, you should try to get the collection deleted. Do NOT just pay a collection. A paid collection usually doesn’t help improve your credit score! Instead, negotiate a “pay for delete” IN WRITING with the collector. Only when you have a written agreement should you pay a collection account, and then work on getting the account deleted.

4. Raise your credit limits

Call your credit card companies and request a raise to your credit limits. Ask if they can raise your credit limit with a soft pull of your credit since a hard inquiry will appear under the “New Credit” category of your FICO score. If you can negotiate an increase of your credit limit with a soft inquiry, then you will instantly decrease your revolving balance ratio (revolving balance divided by your credit card limits). If you have low balances and good payment history, then your chances of successfully executing this tactic will increase.

5. Charge small amounts to inactive credit card

how to improve credit score It’s easy to neglect older credit cards when you have a primary credit card that you use every day. If your credit cards haven’t had activity in the last six months, charge a small amount to the credit card. Creditors want to see that you are using the credit available to you as well as paying the balances off responsibly. Charging a small amount and paying off the balance shows that you have a different mix of credit in use, which makes up a portion of your FICO score.

6. Get credit

No credit equals bad credit. You need credit accounts to be reporting to your credit report in order to improve your credit score. You must have at least 1 open revolving account, even if you have no negative accounts. In addition, this revolving credit account must have been used in the last 6 months. There are a couple of ways to get credit to improve your credit score in 30 days. One way is opening a secured credit card, with preference being given to a card that reports as an unsecured card with your credit limit to all three bureaus. The other way is to add yourself to a seasoned tradeline. Someone with good credit history can add you as a co-signer, where you are equally responsible for all debt. Or, they can add you as an authorized user, where you are not responsible for any of the debt – and Mortgage FICO 5 will count the history as yours.

Start Improving Your Score Today!

If you need to improve your credit score as soon as possible, you could benefit by enlisting the help of a credit repair company such as Go Clean Credit. To learn more about our credit repair programs, please contact us.
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 one 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.

How Does Credit Work: The Beginners Guide

how does credit work

Borrowing money enables people to make purchases without paying cash. Buying a home, purchasing a car, or taking care of smaller day-to-day expenses are just some of the things people use credit for. However, credit works similarly to loans and must be paid back in full. One major difference between a loan and a credit card is that the cardholder chooses how much to spend their money on, and then they must pay back the amount spent. On the other hand, loans are a fixed amount of money that is repaid over a selected amount of time. So how does credit work?

A credit report thus tracks whether a person is reliably paying off his or her debt when payments are due, or if s/he fails to make the payments on time. Most individuals who have student loans, have purchased a home or car, and/or have used a credit card have a credit score. Essentially, your credit score communicates to lenders how likely you are to pay back your debt, as well as how likely you are to pay it back on time. So now you know what it is, you’ll want to know the answer to the question of how does credit work?

Why is it important to know your credit score?

A good credit score can make it possible for you to receive better terms and conditions when taking out a loan. Additionally, it may even impact the interest rates of those loans. Therefore, it is important to know what your credit score is, as well as understand what it means.

  • Excellent credit: 750 and above
  • Good credit: 660-749
  • Fair credit: 620-659
  • Poor credit: 619 and below

An excellent credit score gets you the best financing terms available when you borrow money. For example, if you are buying a house with an excellent credit score, you will qualify for the lowest interest rates out there. In the span of a few years, the low-interest rates can save you thousands of dollars.

With a good credit score, on the other hand, interest rates will be a little higher if you wanted to borrow money. It might be a good idea to try and repair your credit score before taking out any loans.

Bad credit can make it difficult to qualify for many loans. Though there are loans available for people with poor credit, the interest rates can be very high. Luckily there are things you can do right now to help you raise your credit score! For example, you can pay off debt, ensure payments are made on time and use your credit. If you use your credit and then pay it off on time, you can actually raise your score.

Where can you find your credit score?

If you don’t know what your credit score is, don’t fret. There are a number of places where you can find your credit score. You can check with your credit card holder, use a credit score service, or use a variety of other options.

If you discover your score isn’t what you want it to be, contact Go Clean Credit. We know it can be scary to have poor credit, but we are dedicated to helping people raise their score in a way you can trust.

You’re an Adult! Here’s How to Build Credit at 18

how to build credit at 18

Adulting is hard. If you haven’t already, you have to find a job, enroll in college, and basically figure out what you want to do for the rest of your life. There will never be a more exciting time, however stressful it may be. One of the most important things to be aware of as an adult, however, is your credit score.

Your credit score is a number that basically measures how responsible you are when you borrow money. It will communicate to lenders how likely you are to pay back the money you borrow, as well as whether or not you will pay it back on time. Essentially, this score can impact how much interest you will pay when you take out a loan. Over time, that interest can cost or save you thousands of dollars. A low credit score can have negative consequences.

Basically, if you want to buy a house, a car, or other important things people do in the adult world, you will have to start building your credit now. Below is a list of ways that will explain how to build credit at 18.

Easy Ways to Build Credit at 18

Become an authorized user

One of the easiest ways to build your credit score is to piggyback off of someone you know. For example, your parents can add you as an authorized user on their credit card. This means that as long as the cardholder makes regular payments on their card, you get to benefit from their credit score even if you don’t use the credit card.

However, if the family member or friend you are listed under makes irregular payments -or worse, doesn’t make payments at all- your credit score will be negatively impacted. On the other hand, if you are doing a poor job of paying back the borrowed money, your friend or family member’s credit score will likewise drop. In other words, be mindful of who you decide to be an authorized user with.

Get a Credit Card

One of the simplest ways to build your credit score right now is by getting a credit card. As long as you pay off the card in full at the end of every month and pay it on time, you can easily boost your credit score.

However, as an 18-year-old, it can be difficult to qualify for a credit card. Luckily, there are some starter credit cards for people with little to no credit history.

Take out a student loan

Are you going to college? If so, you might have to take out student loans. Though the thought of borrowing money might seem frightening, don’t despair! Student loans don’t need to be paid back until after graduation and they are a great way to start building credit.

Essentially, people with a long credit history get a boost in their credit score. Whether you work to repay loans while you are still in school or wait until after graduation, student loans usually have a long repayment period, which can positively impact your score over time.

Just beware. If you default on your loans, fail to make payments, or make late payments, you will negatively affect your credit score.

A Routine of Good Habits

In the end, the best way to build credit is by making good habits now. Whether you decide to get your own credit card, become an authorized user, or take out a loan, make all of your payments on time. Additionally, make sure not to use your credit card too much. In other words, only use about 30% or less of the maximum credit amount you are allowed to spend. Lastly, limit the number of credit accounts and loans you take out. Too much borrowed money can lead to debt, late payments, and they can negatively impact your score.

Congratulations! You are adulting!

You can build a great credit history just by learning how to build credit at 18. When you have excellent credit, you will receive the best deals in life when it comes to borrowing money. On the other hand, if over the years your credit score drops, there are services available that will help you bounce back. Go Clean Credit is a great service that helps individuals with bad credit improve their scores. If you are worried about your score, contact them today!

Do-It-Yourself Credit Repair Software: What to Know Before You Try

do it yourself credit repair software

Do-it-yourself credit repair software on the internet at the onset can seem very promising, but buyers beware! These products can do more harm than good if you are not doing your research into what they offer. You can run into a number of issues with security, not getting the results promised, or the credit issues are just too hard to fix by yourself.

It is important to know your current credit situation before you download DIY credit repair software, so you know what to expect from their services. For those of you who are thinking about purchasing do-it-yourself credit repair software, here are a few things you should know before you buy:

Internet Security Varies

With privacy being a huge issue today in the world of internet security, there are malicious spyware programs that are disguised into what looks like to be a harmless program. You might be a situation where you cannot afford to hire a credit repair specialist to help you increase your score, so you decide to buy and download an affordable or free program from the internet. These programs can be hacked by criminals who could encode a spyware program into simple credit repair software and you would have no idea.

As a consumer who is required to enter personal data into said credit repair program, the spyware that has been coded into the site can capture extremely sensitive financial data and spread it all across the internet. In no way are we saying that all do-it-yourself credit repair software programs contain malicious spyware, but this is a warning that it is not encouraged to download software that does not come from a well known, reputable company.

Improvement Isn’t Guaranteed

No matter what kind of issues you are trying to solve with do-it-yourself credit repair software, it can be tough to see improvements over a short period of time. Bad credit does not fix itself overnight and it might take some time before you see real results. However, without the help of a professional, you might have to wait even longer before you notice credible results. This is due to you trying to solve your credit issues yourself and not knowing the fast and easy ways to communicate with the credit bureaus or lenders.

Most credit repair issues require you to speak with someone from either your bank or bureaus. Without someone who has years of experience in communicating with these stubborn individuals, it can be tough to improve as fast as you would like. All in all, it’s best to find a credit repair company who can work with you even when your budget is small. Companies like Go Clean Credit,  do not treat you like a “number” and take the time to fully understand your unique situation.

Some Problems Are Too Tough

You might think that you can solve your credit repair issues by yourself because you caused them in the first place. Most people do not realize that these issues can be far more complicated than they thought. Without years of credit repair knowledge, you might find yourself stuck in a place where you can’t move forward and after all your hard work, you are back to square one.

Of course, this is not why you purchased do-it-yourself credit repair software and you need to find better alternatives in order to improve your credit score.

No One-Size-Fits-All Solution

As a consumer, you should ask yourself one important question. Is taking something as important as credit score into your own hands really worth the risk of causing further damage? Most people would answer no, and we would agree.

Your credit profile is something that will follow you throughout your entire life and it’s better to work with professionals who know what they are doing. No matter what your situation is, it is best to reach out to a credit repair company to see if they have programs available to help you through this time of struggle.

Go Clean Credit offers valuable credit repair programs to its clients while educating them every step of the way. The credit repair representatives at Go Clean Credit believe that education is just as important as improving your score, so they will make sure you understand every step of the way.

7 Foolproof Credit Hacks to Boost Your Credit Score

credit hacks

When your credit score is down, the way back up looks daunting – but it doesn’t have to be. Getting back on top will require determination and a bit of craftiness, but with the right guidance, it is perfectly doable. Here are seven credit hacks that will boost your score in no time. Pay close attention to each one and apply those that you can right away – you’ll see your score rise!

1. Remove Old Debts

Even after a debt has been settled, it remains on your record. Removing old debts from your record, then, is an essential part of getting back on track. Nobody is collecting on your old mortgage any longer, of course, but it can impact you all the same. Because it is on the record, it is weighed against you when your credit is run. Removing this old debt means contacting the lenders, sending letters, and stressing the importance of it all.

2. Make Payments on Time

Making payments on time isn’t so much of a hack as it is just a simple rule to follow. By making your payments on time, you can ensure that your credit score continues to rise and show responsibility. Any slip-ups in this department deal heavy blows to your score, so it is essential that you stay up-to-date.

3. Up Your Knowledge

Credit education is an integral part of the credit building process. Understanding how credit works and how it impacts your life will give you an advantage to building a great score. And an excellent credit score can make it easy to buy homes and vehicles as well as lower interest rates. Taking the time to study credit will yield impressive results in your finances in the long run. This is one of those credit hacks you absolutely need.

4. Use Your Credit

If you have a credit card, get another one. Use credit as much as possible and make sure that it is a credit that you can afford to pay. The more you use your credit and pay it off on time, the better it reflects on your FICO score. Make sure to keep monthly receipts to track your purchases; you do not want to let anything slip-up.

5. Be Mindful of Mortgages

Purchasing a home is a great experience that can help you boost your credit score. With that said, mortgages can also hurt you as long-term payment plans can weight your credit score down. The impact is not as severe as you would think, but it is something to be mindful of. Talk to a specialist about the subject and see what is right for you.

6. Unused Cards

A credit card that is open but has not been used in a while can hurt your credit score. Any remaining credit cards, then, need to be closed. Ensure you are staying on top of your credit cards and are keeping track of which ones you are using. Control is in your hands in this aspect.

7. Keep Records

Keeping records of purchases made and cards paid up-to-date can provide an advantage you would not believe. Having your finances in order allows you to see patterns of success and understand how to repeat them.

Maintaining an excellent credit score is about discipline and repetition. Be your own auditor and continuously check up on your progress. You will be glad you did.  


For more information about how to apply these credit hacks to your credit score, contact Go Clean Credit to get back on the right track. We have various different credit repair programs that are offered to help you overcome your unique credit situation. Real credit restoration is not a one size fits all model and we tailor your needs to the right program, but most people can start for just $99 per month.

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!


How to Get a Creditor to Remove a Late Payment

How to Get a Creditor to Remove a Late Payment

Late payments count toward your overall credit score, and they can hurt you even after they have been settled. That might not seem fair, but it is the truth of the matter. To be sure that late payments can no longer harm your score, in other words, they need to be removed. Removing a late payment can be a bit tricky, but professional creditors understand how to do so. Let’s look at the steps to take to get a creditor to remove a late payment from your credit history.

Do Late Payments Always Stay on Your Credit Report?

Late payments typically remain on your credit report for seven years. While they remain on your credit report, late payments can hurt your chances of getting loans. They can increase your interest rates, too. Getting rid of late payments, on the other hand, can help you boost your credit. It is essential that you monitor your report to ensure they are removed on time.

How to Remove Late Payments

Removing late payments will require a bit of craft and persistence, but it is entirely possible. Take a close look at the tips offered here and follow the one that best suits your situation. If all of them apply, that’s okay, too! In that case, follow all of them carefully and keep track of the steps you take. Remember that you want to keep monitoring your credit score to ensure the late payments have been removed.

Automatic Payments

It is possible to negotiate the removal of late payments by signing up for electronic payments on the account. This is a method that is beneficial to all parties involved. The company is guaranteed their payment and the offer shows goodwill on your behalf to stay on top of things. This is the most straightforward approach and should work so long as your relationship with the lender has not soured.

Goodwill Adjustments

Speaking of having a good relationship with the lender, a goodwill adjustment is another option. Removing late payments this way requires that you prove to the lender that your payment history is generally in good standing. Showing that you have only had a few slip-ups and writing a goodwill letter to the lender can help.

Point Out Inaccuracies

Look over your credit report and ensure there are no inaccuracies on it. Should you find any errors on your report, you must dispute them. The process can be lengthy, but if you stick to your guns, the late payment will be removed. Contact your creditor and inform them of any inaccuracies right away. The more informed you are regarding these matters, the better off you will be in the end.

Persevere

Now you have a better idea how to get a creditor to remove a late payment from your credit history. The process can take some time, but it’s worth the effort. In no time, you will find yourself in a better position than where you started. Stay focused and review your reports often to stay on top of any changes.


For more information about how to get a creditor to remove a late payment, contact Go Clean Credit to get back on the right track. We have various different credit repair programs that are offered to help you overcome your unique credit situation. Real credit restoration is not a one size fits all model and we tailor your needs to the right program, but most people can start for just $99 per month.

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!


How to Slay Zombie Debt and Remove it From a Credit Report

Zombie Debt

Debt can live long after you think you have killed it off. Zombie debt is debt that is past the statute of limitations in your state but still hurts your credit score.

Eliminating zombie debt is not easy but also not impossible. It simply requires a bit of creativity on your part. The experts at Go Clean Credit are here to help! Here are tips to help eliminate zombie debt from your credit report once and for all.

Statute of Limitations

The first thing you should do is determine the statute of limitations for debt collection in your state. This is a crucial step that will dictate how you proceed.

Most states have limitations of seven to ten years, but this varies. Once you know the statute of limitations, you can take the next step – determining when your account last saw activity.

Account Activity

This is where you’ll need to be creative. It is likely that you will have to speak with one of the original creditors on your old account. If the account was charged-off and is past the statute of limitations, the collector can no longer legally demand payment.

They also can’t send further reports to the credit bureau, though you can expect them to try. This is why these types of debts are called “zombie” debt as – they can come back to hurt you.

Tread Carefully

You must proceed with caution at this point. You will have to send a letter or speak to the creditor on the phone about removing your debt.  You’re doing this on the grounds that they can no longer legally collect from you. It is crucial that you remember that at no point during the exchange can you admit that the debt is yours.

Refuse to pay the debt or make any payments. The best approach is to say that you do not know anything about this debt. All you know is that they cannot collect from you due to the statute of limitations.

Be Subtle and Forward

Make your point without demanding anything or getting yourself in trouble. Sending a copy of your credit report and highlighting the debt you want to be written off is a great tactic.

This lets the creditor know that you are aware the debt that can no longer be collected. At the same time, you’re not admitting to anything or speaking with them on the phone at any point.

Get Help

Credit repair companies can help you through this process. They can even speak on your behalf. Their experience will serve you well on this kind of financial issue. Zombie debt can remain on your report and hurt you more than you think.

Credit repair companies understand this and take actions to help eliminate it from your life completely and forever. You do not have to do this on your own. Credit repair companies like Go Clean Credit have your best interests in mind and are happy to help.


For more information about how to slay zombie debt, contact Go Clean Credit to get back on the right track. We have various different credit repair programs that are offere to help you overcome your unique credit situation. Real credit restoration is not a one size fits all model and we tailor your needs to the right program, but most people can start for just $99 per month.

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!

How to Remove Closed Student Loans from Your Credit Report

How to Remove Closed Student Loans from Your Credit Report Staying on top of your credit score means being proactive. One of the ways you can help it rise is by removing accounts that are closed from your credit report. Closing an account does not mean that it will no longer be on your record. One common question in this area comes from student debt. How exactly can you remove closed student loans from your report?

This is our step by step guide on how to remove closed student loans from your credit report:

Know the Factors

Before you make any decisions, you need to know the factors that make up your credit score. Your available credit, the age of your credit accounts, and your payment history, for example, are all part of your score. How often you apply for new credit cards and the number of closed accounts present can also impact your score. Closed accounts hurt you even if they were paid off in full. Any late or missed payments or charge-offs can still be seen and affect your overall score.

Weigh Your Options

Don’t remove things indiscriminately. Removing a closed account with negative information on it makes perfect sense, of course. But removing an account with a mostly positive history would not be beneficial and could ultimately hurt your credit score. Scrutinize your credit report for closed accounts and determine whether they’re good or bad for your score. For student loans, it is common to see missed payments early on before the students in question find stable careers.

Removing the Account

Removing a closed account from your credit report can be tricky, but you do have a few options. These include:
  • Write a goodwill letter
  • Dispute inaccuracies
  • Wait it out
Writing a goodwill letter applies when you couldn’t pay due to illness or something else beyond your control. Keep in mind that the creditor or loan service provider has no duty to remove the closed account. If they do so, they will be doing it in good faith and will likely look at your previous payment history. Disputing accuracies is another option. It requires careful examination of your loans. You will have to justify each missed payment and give your reasons for believing you have been wronged. Finally, waiting the process out is another solution. Some closed accounts can remain on your report for up to ten years, however, is it’s not the best choice.

Getting Help

Credit repair companies can be the ally you desperately need in the battle for stellar credit. They specialize in these types of cases and understand the oppressive laws and regulations behind student loans. Allowing a credit repair company to go to bat for you can take a lot of stress off your back, too. They will typically provide you with all the education you need to clean things up and maintain a great score. Finally, bad credit has an effect on student loans and interest rates. And, of course, student loans impact your credit in much the same way. This is a vital part of your report that cannot go ignored.
For more information about how to remove closed student loans from your credit report, contact Go Clean Credit to get back on the right track. 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 one 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!