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!

Can I Remove Bankruptcy From My Credit Report? Here’s How

remove bankruptcy from credit report

If you have recently been declared bankrupt and want to rebuild your credit, it is essential that you regularly check your credit report to make sure that all of the details are correct. In reality, we all need a good credit score. This is true for almost any goal involving financing, including buying a home or car. A low credit score can result in high-interest rates and worse terms overall, which means that you’ll pay more just because of your score.

Declaring bankruptcy can actually be a good way to help start over and rebuild your credit. You might be wondering, however, if it negatively impacts your credit report and what you can do to minimize the damage. While a bankruptcy on your report isn’t a great outcome, it’s also not one that is insurmountable. If you use the bankruptcy as a chance to rebuild your credit and create a stable financial situation, you will find yourself in a much better situation than you were before filing.

With that said, can you remove bankruptcy from credit reports? Well, yes and no. Let’s take a closer look at bankruptcy and how to build a solid credit report.

How can I remove bankruptcy from my credit report?

To put this simply, you can’t remove a bankruptcy from your report until enough time has passed. They typically stop being reported seven to ten years after they are declared, which means that you should have a “clean” credit report after that time has passed. You don’t have to do anything out of the ordinary to remove the bankruptcy, in other words, because it’s something that typically happens automatically.

Know Where You Stand, Financially

Aside from removing a bankruptcy, there are things you can do to keep tabs on your report and raise your score. Pull your credit report (free once every 12 months). Verify and establish the accuracy of the details and correct them if and when the need arises. Keep in mind that it is your legal right to dispute any and all entries on your report if they are inaccurate.

Be a Cautious and Informed Borrower

While it is always the case that lenders generally opt to not do business with many people who have had bankruptcies in the past, many do give them the option to take out loans just a month or two after a bankruptcy has been filed. Don’t be tempted. Instead, research debt agencies who are able to work with you without taking advantage of your current situation. When you find one, check their credit guidelines. Also, take into account what interest rate you can afford to pay.

Always Make Payments on Time

Last but not least, to remove bankruptcy from credit reports, constantly make payments early, if at all possible, but on-time if not. Avoiding making payments late shows lenders that they can be comfortable doing business with you post-bankruptcy. Keep an eye on what you are spending and make it a priority to keep your debt to income ratio low.  


For more information about how you can remove bankruptcy 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!

5 Simple Strategies for Fast Credit Repair

5 Simple Strategies for Fast Credit Repair

More than 35 million Americans have a less than perfect credit score, and some of them have scores that dip below 600. This can be detrimental for a number of reasons, including making it difficult to find lenders to approve business as well as personal loans. It’s worth noting, however, that repairing your credit score doesn’t have to be a challenge. There are a few simple steps to follow that make fast credit repair a reality. Stay calm and take a look at the five simple strategies below to help boost your credit score as quickly and easily as possible.

Get a Copy of Your Credit Report

You are entitled to a free copy of your credit report, so make sure to take advantage of that offer and request yours as quickly as possible. Carefully look it over and identify any mistakes. If you find any, write to the agencies in charge of the debt with all supporting information substantiating your refutation. Take note of the debts that are correct, too, and use them to help begin your credit repair journey.

Resolve and Close Any Collection Accounts

Start working your way up from the smallest debts owed to the bigger debts owed, paying them off as you’re able. Do not agree to pay them off completely, however, until you have an agreement in writing that the debt collection agency will remove the account from all of the credit score reports it shows up on.

Apply for a Secure Credit Card

If you are unable to obtain a credit card, another fast credit repair tip to consider is to apply for a card with a small secured balance through a credit union or local bank. You basically put your cash in a savings account that is held as collateral for your credit line. Use the card sparingly and pay it off monthly.

Make a Budget

Once you have a handle on your debts and the order in which you’ll pay them off, it’s time to create a realistic budget. How much money do you need to cover your essentials every month? This includes the necessities like your rent and your car payment, but maybe not extras like the high-end cable package or multiple dinners out a week. Cut your expenses down to the bare minimum and apply everything possible towards paying off your debts. You can splurge once your finances are back on track and you have the money to spare.

Don’t Get Rid of Older Credit Cards

Older credit cards add more value to your credit rating score than newer cards. If you must get rid of a card or two, make sure it is one of your newest ones. This will showcase you in a better light.

Fast credit repair doesn’t have to be a dream. It just takes some planning and dedication to help raise your score. If you’re looking for a little extra help, don’t hesitate to reach out to the professionals at Go Clean Credit, too!


For more information on the best credit repair companies, 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.

10 Best Credit Repair Resources

10 best credit repair resources

As a premier credit repair company, we have a number of great resources available to support your credit repair journey. Therefore, we compiled a list of the 10 best credit repair resources in order to alleviate the stress that comes along with having a poor credit score.

Here are the 10 best credit repair resources:

The Cost of Bad Credit

We created a resource that breaks down your credit score, the percentage rate, payment, and added cost you can expect to pay when you want an auto loan, credit card and a mortgage with bad credit. Also, this resource will show you how your FICO® credit score is weighted. All of this information will allow you to see what your interest rates can be if you increased your credit score.

How to Improve Credit Score in 30 Days

Your credit score matters. Lenders take one look at your score and determine your mortgage or car loan rates, whether to approve your apartment or credit card application – and even whether or not to hire you for employment.

Given the impact of your score and the urgency of your life situation (that perfect house isn’t going to be on the market forever), there is a big incentive to improve your credit score quickly.

How Many Points Will a Collection Affect Your Credit Score?

Every time we view a collection account on our credit report, we cringe from knowing these accounts have a negative effect on a credit score. Those accounts show up each time a collection agency reports debts to credit bureaus. The resulting effect it has on a credit score is usually devastating. However, there are a few ways to avoid collecting accounts from damaging your credit score.

Whose Credit Score is Used on a Joint Mortgage?

You’re happily married and ready to buy your first house, but you and your spouse both have different credit scores. So what does this mean? By now, you’re probably worrying about whose credit score is used on a joint mortgage. Don’t worry, because we have all you need to know about getting one.

How Many Hard Inquiries Will Affect Your Credit Score? 

You might be asking yourself: “How many hard inquiries will affect your credit score?” To delve into the answer, we will take a closer look at what inquiries are, the difference between hard and soft inquiries, and how it might affect your credit score.

How Many Points Does a Credit Score Go Up When a Collection is Removed?

We know that even small oversights can cause huge damage to your report. So, it’s understandable that you’d be concerned. And, without trying to be too ominous, you should be concerned. High credit scores provide access to bank loans, higher mortgages, credit cards, and better interest rate. Some employer even runs credit checks to vet potential employees.

As you can imagine, it’s important to know your credit score. Let’s take a minute to review the basics and find out how many points you credit score rises when a collection is removed.

AnnualCreditReport.com

Annual Credit Report is your only source to obtain free credit reports from each credit reporting companies. With their free reports, you are able to ensure that the information on all your reports is accurate and up to date. Also, reviewing each report will allow you to catch signs of identity theft early as well as any inaccuracies.

Mint

If you would like an app to help you budget your money, track your bills, and check your credit score then Mint is right for you. You can personalize the platform to alert you on your day to day spending as well as receive tips and advice for maximizing your money. When you are up-to-date on what your spending month to month you will have a better understanding of how to allocate your money.

Nerd Wallet

With Nerd Wallet you can easily compare a wide variety of options to find the right credit cards, savings account, online broker, mortgage, personal loan, and student loan for you. Their army of knowledgeable nerds has the ability to make the most complicated money questions easy to understand. They can even offer tailored recommendations based on your unique situation. All you have to do is tell them more about you and the rest is history.

National Do Not Call Registry 

The National Do Not Call Registry allows you to choose whether you would like to receive telemarketing calls or not. I’m sure most of you did not know this could be done. It takes less than 3 minutes to sign up. All you have to do is add the phone number(s) you do not want telemarketers to call and click through a link from your email. Once this is complete enjoy a life free of unwanted calls.

Better Business Bureau Credit Repair Companies

Better Business Bureau Credit Repair Companies

If you’re struggling with mounting credit card debt you are probably looking for a credit repair company to relieve you of that debt. Finding the right credit repair company can be a daunting task, so we have compiled a list of Better Business Bureau (BBB) credit repair companies to help you make that decision easier. These credit repair companies have been given an A+ rating and they are in various different states. The BBB gives an A+ rating to companies who exhibit outstanding transparency and integrity to their customers.

Here is a list of Better Business Bureau Credit Repair Companies with an A+ rating:

Go Clean Credit

Go Clean Credit is one of the top credit repair companies in Yuma, offering personalized credit correction services since 2003. Because restoring your credit can be a daunting task, Go Clean Credit makes it a hands-on process specified for your needs. You may be dealing with mortgage correction, judgments, bankruptcies, student loans or identity theft. Go Clean Credit provides a trusted source for credit repair companies in Yuma. Their client-centered approach pairs credit restoration with credit education to keep you on the right track. They understand that good people can have bad credit and have helped thousands of people just like you. Most importantly they are not a faceless company that will treat you like a “number”.

Accelerated Credit Solutions

For 10+ years, Accelerated Credit Solutions has fixed issues on your credit report because they know what works and what doesn’t. They never use stall tactics to try to prolong the process because they do not charge monthly fees. They will never bill you until a successful service round is complete so you know exactly what you are paying for. Their services are not only cost-effective, but they are also low maintenance. All you have to do is keep up access to your credit monitoring, and they’ll do the rest. Once they remove negative items on your report, they will send you a detailed analysis, wait for you to check your new report and confirm the results. They will then educate you on how you can avoid these missteps in your future.

Fortress Credit Professionals

When you are interested in using Fortress Credit Professionals for your credit repair needs they’ll conduct a free credit consultation and provide an estimate over the phone. If you don’t have a recent three bureau credit report they can order one for you. They will dispute all of your negative items on your report at once and only charge you for what they were able to remove. You will not pay a monthly fee because they believe that money can be used for more important things. Most of their clients finish within 90 to 180 days and can see improvements throughout the engagement.

Accius Credit Repair

Is your credit score preventing you from being approved for a loan or your next big purchase? Accius Credit Repair can help repair your past and prepare you for a much better financial future. Accius offers a free initial consultation before they offer to help. They want to fully understand your situation so they can piece together a knowledgable action plan for you to succeed. After their evaluation, they will work closely with you to devise a personalized strategy and dispute inaccuracies with all three credit bureaus.

Guardian Credit Repair

Guardian Credit Repair is a national credit repair and restoration company working with clients and creditors to improve credit profiles. Their credit experts communicate with credit bureaus by challenging questionable, inaccurate, outdated, misleading, or unverifiable data on consumer credit reports. They investigate any mistakes which may be lurking in your credit report to have them resolved and repaired, allowing you the financial freedom and advantages a good credit score provides you. In order for you to feel like you learned something while working with their consultants, they will educate you every step of the way.


For more information on the best Better Business Bureau Credit Repair Companies, 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.

10 Credit Repair Tips To Help Fix Your Credit Score

credit repair tips

If you’re someone who has a credit score below 600, you will have a hard time finding lenders who will approve you for personal and/or business loans. The good news is, you have plenty of opportunities to improve your credit score over time. Increasing your score may take a few months, but once you are at a score your comfortable with you will feel a huge weight lift off your shoulders. Fortunately, it’s not difficult to improve your score.

Here are 10 credit repair tips you can follow in order to increase your credit score:

Set Your Budget

Make a change and set a budget that fits your income. Of course, the most important part is to stick to it. Make a list of all the expenses you have and the amount you will spend on them. Many times you spend less overall just by creating a budget for yourself.

Track Your Spending

Tracking every dollar you spend for a short period of time will educate you on where your money is going. It will open your eyes as to how spending even small amounts of money adds up over time and may require credit repair services. Tracking your money will also identify areas of spending that may otherwise go unnoticed. Track your spending for a full month using a free online software service like www.Mint.com, or an Excel spreadsheet or notepad. Knowing that you’re tracking spending can provide you with valuable information about your spending patterns, and may reduce your spending.

Make Lists of Expenses

In addition to setting your budget, make a list of the fixed expenses (ie – rent) and variable expenses (ie – clothes) you need to buy for the next couple of months. Include all your expenses on your list. Take the list with you when you go out to help you stay focused and avoid impulse purchases.

If You Use Credit, Pay it Off in Full

The rule of thumb should be that you never use more on your credit card than you can pay off in full that month. Many people will see something on sale that they really want but don’t have the cash for. They use a credit card and then pay interest on the balance because they can’t pay it off. Now that “sale” item probably cost more than full price. It never helps your credit score to carry a balance, so why pay interest? It’s better to hold off until you know you have the cash in hand to purchase that item and save your credit limit for emergencies. Plus, doesn’t it feel more rewarding when you’ve saved up and earned that item, rather than making an impulse buy and having debt regrets later?

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 a preference being given to a card that reports as an unsecured card with your credit limit to all 3 bureaus. The other way is to add yourself to a seasoned trade line. 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.

Remove a Late Payment

Removing a late payment will take persistence. There are a couple of ways to request a 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.

Make Your Monthly Payments on Time

If you have an issue with lenders reporting you a day or two late, call them to see if they can change your on-time payment. This could be offered to you if you are not a frequent offender. The other option is to remove a late payment. You can try to file a dispute against the payment for inaccuracy. You can also call the original creditor and ask for a goodwill adjustment. If they do not allow you to add the adjustment you can negotiate by asking for automatic payments. This will show your interest in keeping up with monthly payments. The good thing is that the impact of past credit issues fades as time passes. Try to keep up with good payment patterns so your report will show you are handling your credit well.

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).

Charge Small Amounts to Inactive Credit Cards

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 6 months, charge a small amount to the credit card. Creditors want to see that you are using the credit available to you (and 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.

Authorized User Option

Another easy way to build credit fast is to ask someone to be an authorized user on their credit card. When asking someone to add you as a user you can tell them that authorized-user cards do not require a credit inquiry, which means their credit score will not offer. If that person trusts you, you can ask to be authorized on multiple accounts. Make sure these accounts have the highest credit limits if you want to increase your credit score the most.


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.

What To Look For In A Credit Repair Specialist

Credit Repair Specialist

With the new year just around the bend, there’s no better time to start tending to your credit profile. There are a lot of companies out there claiming they can raise your credit score. However, there are a few things to consider before reaching out to just any credit repair specialist.

What Are Some Benefits Of Hiring A Credit Repair Specialist?

Hiring a specialist to repair your credit can be a life-changing experience. This is especially true if you’ve had some financial troubles that may have negatively affected your credit report in the past. Negative remarks may include any of the following:

  • collection accounts
  • judgments
  • identity theft
  • late payments
  • high balances and maxed out accounts
  • tax liens
  • student loans
  • charge-offs
  • mortgages

Cleaning up your credit can leave you with a clean slate. This will save you money, lower your interest rates and improve your acceptance rates for future credit.

What To Look For When Investigating

Not all credit repair is created equal. With some companies, you will begin to see your score climb the charts within a couple of months. Often, this improvement continues. However, some consumers don’t have such good luck. That’s why it’s nice to know what to look for before delving in.

How to Find a Quality Credit Repair Specialist

1. Don’t Just Wait And See What Happens.

Almost anyone who is seeking credit repair would prefer to see results fast. Legit agencies are able to provide you with a time frame for seeing results, based on the tier of the plan you choose. The time lapse should also depend on the level of damage your credit may have incurred. Results can be seen within a few weeks to a year. If you must wait and see, then it’s better to choose another agency.

2. They Should Be Prepared To Work With An Attorney If Necessary.

Credit repair can usually be completed without the help of an attorney. However, that’s not to say the agency shouldn’t know when to use one. For example, there are many cases in which creditors, collection agencies and even credit bureaus break the law. It may be in the form of wrongfully attaining personal information, breach of contract or something else.
In such cases, an attorney should become involved, and it can make things much smoother, as opposed to dealing with legal issues on your own.

3. Seek References And Testimonials.

It’s true that each consumer experience is unique. Therefore, reviews are bound to be varied. However, when reading online reviews, there may be red flags you shouldn’t ignore. For instance, if you notice reviews from customers who waited a long time only to have little or no results, feel free to ask the specialist to explain. You can also ask for real references who have used the company’s services.
If the company hasn’t responded to others or is unable to provide you with logical explanations, then keep searching.

4. There Should Be A Custom Process.

No two customers have the same credit profile. Therefore, the repair process should not be one-size-fits-all. If the agency isn’t able to provide you with a strategic plan for you, then chances are it’s not an effective company.

5. Weed Out Companies Who Have A Delay Incentive.

You’ll notice that many credit repair providers require a monthly plan. This locks you in for the long-term and doesn’t insure results in a minimal amount of time. It’s best to work with a company with fixed price plans. This means they offer you one price that isn’t subject to increase during the process. It also means there’s no lingering, and you pay exactly what was projected.

6. Ask About A Money Back Guarantee.

It’s not common to find a company offering this type of guarantee. However, you should seek one who does if quality is your goal. If you haven’t achieved the projected results within the allotted time frame, they should be willing to work with you. This should involve issuing a refund or working with you further to achieve results.

7. Question Companies Who Offer A Definite Score.

You’ll run across aggressive and optimistic salesmen who may offer you a definite credit score. Consumers should know that it is illegal to state a specific score. Choose a company that will offer you a score range instead.

8. Ask About Your Involvement.

If a specialist claims to be able to achieve your credit repair goals without you, then there’s a need for concern. You are required to respond to requests and give consent throughout the process.

Searching for the right credit repair specialist can be a daunting process. Using the above tips, you can rest assured that you’ll find a company that’s reputable and effective.


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 Repair Work

how does credit repair work

There are many things that can have a negative impact on your credit score. Over time it is possible to see this score decline as a result of one or more of these things. Many people are not aware of what their score actually is which an important first step in the repair process is. Having your score ran by one of the top providers will help you to understand what your status is. This is also a good way to put together a repair plan. Consumers often ask how does credit repair work because this is a complex issue.

Consulting experts in the field is usually the best approach to getting this information. These are companies, such as Go Clean Credit that specialize in the restoration of credit scores. They can educate you about the meaning of your score and its implications. Along with this information, these are professionals who will develop a plan to repair the credit. These services also focus on instructing clients about better ways to deal with their credit over the long-term.

Top Things that Hurt Credit Scores

According to Money Crashers, the different things that hurt credit scores result in not only a lower number. This is a reason why finding experts to assist you with repairing credit is critical. Learning the process of how does credit repair work is necessary to see these numbers increase. In most instances, this will take time, research, and consistency in managing existing debt. Let’s take a look at some of the top things that hurt credit scores:

* Late or Missed Payments

* Unemployment Status

* Property Liens

* Inaccurate Credit Information

Steps to Repair Credit Scores

There are credit repair companies in virtually every state in the country. These are experts in most instances when it comes to investigating and evaluating credit reports. There are times when you are unfamiliar with entries on your report. Most companies that perform repair services will run reports from all of the major credit bureaus. There are opportunities to remove negative entries as it relates to old and existing debts. The status of the report will impact the length of time a restoration takes.

Preventing Future Damage

Working with the right credit repair company should benefit you for the future. The ultimate goal is to do more than remove negative entries. It involves preventing future damage to these scores. These specialists will show you how to adopt habits that will consistently maintain good credit. This involves paying debts on time, reducing the amount of credit you apply for. Both of these can result in reduced scores for consumers. The education component to these services is extremely important.

Adopting Better Habits

Go Clean Credit assists their clients with setting goals for the future. These focus on short-term and long-term objectives. The ability to adopt better spending and credit habits is essential to these accomplishments. This restoration company helps by customizing a Game Plan that establishes ways to constantly build good credit. Their 10+ years of experience in this field works to benefit clients with an array of goals and with purchasing needs. Positive results build your overall creditworthiness.

Reviewing Your Credit Score

Studies have shown that the best recommendation is to review your credit score annually. This does more than show you what the score is. It allows you to determine if there are inaccuracies on the report. Experts say that 79% of the time, these errors exists on these reports. These can only be addressed and removed when consumers know they are there. Collaborating with repair professionals is the best way to respond to these errors effectively.

They will work to represent you in a variety of ways. In some cases, this requires going after creditors for reporting errors. There are also times when legal documentation is necessary to repair credit scores. Each client’s situation will be different and may require different strategies. The time required to do this restoration work is crucial and complex. Investing in these services will help you to maintain your credit by applying better education and practices for your future.


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.