Frequently Asked Questions
About ClearCredit
Is ClearCredit a credit repair company?
ClearCredit is primarily a financial-readiness and credit-guidance platform. Optional professional credit-improvement services may be available for consumers who need additional assistance.
Does ClearCredit guarantee a score increase?
No. Credit outcomes depend on individual circumstances, data furnished by third parties, and scoring models.
Will using the assessment affect my credit?
The introductory assessment does not require a hard credit inquiry.
Debt strategy and the Action Center
Does ClearCredit negotiate debt settlements for me?
Not in the current service model. ClearCredit helps you understand accounts, organize information, evaluate educational next steps, and decide when professional help may be appropriate.
Can I track collections in ClearCredit?
The planned Action Center is designed to help organize collection details, communications, documents, and next steps in one place.
Will ClearCredit tell me whether to pay or dispute a collection?
ClearCredit can help you understand the factors to review, but the appropriate action depends on the facts. Disputes should only be used when information appears inaccurate, incomplete, outdated, or not yours.
Can ClearCredit generate letters?
A future guided letter assistant may help prepare situation-specific drafts such as information requests or goodwill requests. Users should review every letter for accuracy before sending it.
When human help may be useful
Can someone review my credit reports?
Professional review may be offered as a separate service, depending on your location and the final service model.
Will you dispute every negative item?
No. Disputes should be limited to information that appears inaccurate, incomplete, unverifiable, or otherwise appropriate for review.
Can accurate negative information be removed?
Accurate information generally cannot be removed simply because it is negative.