At CrediClear Financial Group, we offer a suite of Services to suit your needs.

We offer plans from Assisted Do It Yourself Programs to Full Service Plans where you don't have to hardly check your mail.

CCFG offers pricing to suit your budget, and does not require Automatic Bank Drafts or Credit Card Charges, we work with you.. not against you!

CrediClear Financial Group has removed bankruptcy items, foreclosure items, collections, repossessions, judgments, tax liens, medical bills, and other derogatory items from credit reports for thousands of clients.

Removing these negative items will raise your credit score! Whether you call it a FICO Score, Beacon Score, Rating, Tier, or just a score, it is a three digit number that can cost you a fortune if it is lower than it should be.

CCFG Can Help!

Our Main Site has many informative pages telling you about the credit repair process, as well as actual replies that out clients have received from the Credit Bureaus showing many derogatory items deleted from their Credit Files. Check it out today!

This site is under nearly constant updates, as we try to educate our clients, both current and future on the world of Credit, Credit Repair, Debt Settlement and Consolidation. There is much to know about collections, wage garnishments, tax liens, foreclosure, bankruptcy, and all of the other nasty things that can happen to a credit file, and CCFG wants you to know! If you have filed bankruptcy, and it turned out a bit more messy than your attorney told you it should be, check out the bankruptcy page to see what many lawyers forget. CCFG is different in the world of credit consultation, analysis, and restoration; you will not find another firm that is as up-front about everything! We take a professional approach, not a sales pitch. No magic, no sleight of hand, nothing up our sleeves, just the facts about a process that can change your life for the better.

No organization tells you more about the world of credit than CCFG! Whether you call it a personal score, beacon score, mid score, merge score, or just a score, it refers to a Credit Score. The navigation buttons on the left link to over 25 pages of specific information on each of the topics listed, and the Blue Text is a clickable link to that topic. No matter the cause of your low credit scores, CrediClear Financial has seen it before, and probably fixed it for someone else! At the bottom of the home page, and scattered throughout, you will find a site search box, and you can type in your topic, and find every listing for that phrase on our site. Bookmark our site, (control+d on your keyboard) there is a lot to learn here, and you will want to come back for more education. We update and add constantly with real answers to real questions.

On our main site, we have also added calculators, so you can see just how much you can save by comparing your current interest rates to those you might get with higher credit scores. You can compare your current interest rate to those advertised rates, to see how much financial relief you can have every month.

CCFG's Services:

• Credit Repair and Restoration, History Cleanup
  

• Debt Negotiation and Settlement

• Credit Analysis, Advice, and Consultation

So you think that what we do with a credit report cannot be done? Think Again! Click here to see actual pages from the various credit bureaus sent to our clients showing all sorts of negative information deleted from their credit files. It is a random sampling of derogatory items removed from credit files, but you will find something there that you can relate to.

Credit Restoration is a totally legal process involving the removal of the negative items from your files, raising the score. While the details of scoring are a well guarded secret, it works much like this: a perfect score is about 850, from that they deduct points for every bad item in your report, and add back in points for each good trade line in your report. As the items age, they have a lower point value. Credit Scores are based on history, a reflection of what you have done in the past. There is no need to let your past hold you back any longer! Many people think that simply adding new trade lines can raise a score.. but it takes two good new tradelines to offset one negative trade line, then they have to age for the score to rebound.

The most important thing to remember is that the restoration process takes a few months to accomplish. There is no such thing as instant credit repair or restoration. Nothing is immediate in the credit world; it takes time to gain back the points that have dropped your score to the level it is now at. The real secret is that it is a matter of doing the right things in the right way at the right time to get the result we want, higher credit scores for our clients!

You will not find another firm that offers everything that CCFG does:

• Various levels of Full Service Credit Repair Plans that You Choose    

• You Can Switch up or Down in Plan Levels

• An Assisted Self Service DIY Credit Repair Plan

• NO Automatic Bank Drafts or Card Charges

• Referral/Affiliate Programs to help your budget

• Real People on the Phone when you call!

• CCFG Credit Repair Starts Working for You upon Receipt of the Down Payment and Application, at a pace you set based on the Plan You Choose!

If you are here, you undoubtedly have some challenges impacting your FICO rating, Bankrupt,  Foreclosure, Divorce, Tax Liens, Slow/Late Payments, the Dreaded ARM or Adjustable rate mortgage, Identity Theft, ID issues, Tax Lien Issues, Judgments, repossession, or Collections. You may have even been a victim of some debt  settlement company that forgot to tell you that your credit would be a wreck when they got finished. We can fix that, or get you into a program that combines both programs!

Drowning in debt, and want to get the credit card companies and collection agencies off your phone, and out of your life? CCFG offers a program that offers debt settlement, consolidation, and negotiation and free credit repair and restoration programs! A combination that cannot be beat! Check out the Debt Settlement Page for more information! Use the law to your advantage! If you are currently enrolled in another program, whether debt negotiation or history restoration, and not getting the results you expected, come on over. We'll figure out where you are now, and work out a plan to get you where you need to be.

To see just how bad your credit really is, get your really free credit report from Annual Credit Report. We have a link on our Contacts Page for you. Don't print your reports, they can be huge, especially Equifax. The other Consumer Reporting Agencies, TransUnion and Experian aren't too bad, but we advise just saving the report to your computer, you always have it that way!

Everyone has some sort of credit score challenge. We have probably seen worse, but to you it's a disaster. You can't finance what you need, and don't really know why. Here you will learn what the lenders look for, and what it takes to get you there.

The Benefits of Higher Credit Scores:

• Lower Interest Rates Mean Lower Payments on every loan!

•  Approval instead of being turned down for those new purchases!

• Insurance of all types costs more if you have low credit scores!

•  Small Business owners know just how much personal credit helps those business loans, personal guarantees are quite common.

• Since many Employers look at Credit Reports (usually an indirect inquiry like ChoicePoint), your Credit History may be holding you back on the job, as well. A little Credit Score Enhancement may help in the job search or promotion.

• Having a higher Credit Score and a Clean History benefits your future. We offer a few tips on how to raise and improve your credit score, on the maximize your score page.

If you are a finance or mortgage professional, check out our free printable handout for your credit turn downs, way more of an informational item than a sales pitch feel free to use it as you need it!

Military! Whatever your branch of Service, Army, Navy, Air Force, Coast Guard, Marines, or National Guard.. your credit history can really hold you back on promotions. Don't let that happen! CCFG can help!

There is a compilation of a lifetime of knowledge, and thousands of credit situations on this site, all compiled into an online credit education for your information and use. CrediClear Financial Group is consulted in many situations, from people in many walks of life, on a daily basis, and we have tried to put it all on the web for all to learn. We have found out what our clients want most as we grew into a nationwide credit repair restoration and debt negotiation or consolidation  service. We never have done auto bank drafts or charges, and never will. If you are currently in another program that requires automatic bank drafts, ask yourself why, and come on over to CCFG! If you are paying them monthly whether they perform or not, why should they hurry?

Looking for a bit of extra income? Check out our Affiliate Page for more info, and feel free to Contact Us at any time. The Specialists at CCFG are here for you until 7:00 pm your time.

Think your friends or clients would like to learn a few things about Credit and Debt? Feel Free to Link to us!

Whether your next purchase is a boat, car, RV, Home, Mortgage refinance, or you just want to get your credit scores back where they should be, CCFG can help! If your score just needs a bit of a tune up, contact CrediClear Financial for our score enhancement services!

If you have any questions about your particular situation, give one of our analysts a call , our trained Consultants will be happy to talk with you!  Or, send us an email from the link below...we'll be happy to answer questions specific to your case .. no obligation, no scripts on our end, Just real answers to real questions.

Have $10k in Credit Card Debt? Settle It Now!

We have all heard the advertisements, and wondered, "is that for me" The basics of debt settlement and negotiation programs are the same: If You have a certain amount of unsecured debt, you may be eligible for these programs, depending on your State of residence and personal circumstances. These are highly regulated programs, both by Federal and State Statutes.

First, we cover the basics, for CCFG's enhanced program, a truly better alternative read to the bottom of this article ...

These programs work with unsecured debt: Most credit cards, auto repossession balance due, cash loans, medical bills, balances due on foreclosure, and short sales, pay day cash advances, quick loans, and some other types of accounts where there is no collateral.

Current Auto Loans, Mortgages, Rent to Own programs will not work, because the lender will simply take back the collateral.

These programs are a great alternative to Bankruptcy, especially a brutal Chapter 13. These programs are typically better than Consumer Credit Counseling, where paying the full balance, not negotiating in your favor, is a priority. CCFG Debt Settlement Negotiation and Consolidation is far better than ignoring the problem totally.

These are all essentially savings plans, you pay a monthly fee into a dedicated account, and as your available balance hits a target point, they negotiate and settle with your creditors one by one, with the saved money you made available for this purpose.

If you have old debts that are haunting you, these programs can be great. You really can settle these for pennies on the dollar.

If you enter current accounts into these programs, these accounts will go from whatever their status is now, to late payments, to charge off, to collection. If you are already in trouble with the lender, or the fees have made the problem so bad that there is no way to pay them off short of winning the lottery, these programs can be an attractive alternative. If your accounts are already in collection, your score will not get any worse.

Any Accounts that were paid via these programs should show something like "legally paid for less than full balance" on your credit report. They will, however be paid, and they cannot re-report as a new collection on your credit reports. "Legally Paid" is not a good thing for a credit score.

Paying off your debts via programs like these prevents future liens, judgments and garnishments, once the debts are negotiated to a settlement.

We see a lot of clients who had been through programs like this, and it is common for your creditors to not report these accounts correctly. Assuming these accounts report correctly, your Credit Score will slowly rebound after these accounts go away, typically in about 4 to 6  years. CCFG may be able to speed that up a bit, though!


So be careful, and look to someone that cares about both
Settling your Debt and
Raising your Credit Score!

Let's say you have a $5000 balance in one credit card, at 22% interest. And you never charge another nickel on it.
You can pay that off at a rate of only $100 a month.

In only 134 months!
That's $13400 payback on $5000 debt.
$1200 a year, for just over 11 years!

Ridiculous?  Yes it is.
If you are tired of trying to get ahead of the revolving debt, we can help!

Check out your situation with the calculator at the bottom of this page!

CCFG is announcing our entry into the Debt Settlement and Negotiation Business, in collaboration with the leading professionals in the Business of Debt Settlement and Debt Negotiation in the United States.

After extensive research, CCFG has developed the best plan on the market today.. professional debt settlement and negotiation and consolidation combined with expert credit repair and restoration programs!

The input of a professional is essential. This is your future we are talking about! From your perspective, things look bleak, but we have seen it hundreds of times before.. and probably worse!

Our plan can be an attractive alternative to Bankruptcy, especially the brutal Chapter 13! Also, you can pick and choose which accounts you choose to enroll, allowing a bit more flexibility in your budget!

We will assist you in determining the accounts that are in the program, and advise you about those you may not want to add. Your money is held in insured accounts, with your name on them, after all they are your debts that are being settled. We offer a variety of program lengths to suit your budget. Though debt settlements vary, the amounts usually range between 10% to 40% of the total balance due. Really. Imagine $10,000 being paid for only $1000! it can happen! Then imagine your credit reports being cleared up long before they would be normally, and your credit score rebounding to better than it was before the credit disaster struck! DTI Ratio down, debts paid, and your score restored.. from one source!

If you are tired of trying to get ahead, and can't, or don't want to file BK, this could be the option for you! That expensive revolving unsecured debt can really be settled for far less than face value! Why pay retail?

Your creditors phone calls are re-directed to our phone professionals, where they meet their match! No bullying the pro's! You forward your collection letters to the settlement office as well, they keep on top of it all for you.

And, to top off the deal. we are offering, for free, the full actual price of our DIY credit repair and restoration program, or a credit for an equal amount in a full service plan!

You get the best of both worlds, your debts settled for a fraction of the face value, and CCFG's professional help in getting your Credit Score back on track much faster. A deal that simply cannot be beat!

And, imagine having someone else answer those nasty collection phone calls!

This offer does, of course require your qualified enrollment in and completion of our Debt Settlement and Negotiation Programs, but that is something you were thinking about anyway. Why not do it with someone who cares about both paying your bills for pennies on the dollar and raising your credit score?

Give us a call today to get started on the road to better credit ratings with CrediClear Financial Group!

The CCFG Debt Settlement Program Process
enrollment
consultation and budgeting
account setup
savings period
negotiation as savings accumulate
  restoration process starts
negotiation continues
completion, debt free and a great credit score!

Mortgage Loan Modification

Mortgage loan modification is the process of changing your existing mortgage to more favorable terms. It involves negotiations between attorneys, and your lender, or lenders to make your existing mortgage more affordable. Attorney based programs have a success rate much higher than doing it yourself, most DIY modifications take months, or over a year, and result in a new loan that still does not work out. Our Attorney based program has one of the highest rates of success, and most loan mods take about 45 to 60 days to complete.

This is not a refinance, you do not need good credit or equity in your home. In fact, many lenders are writing off some of the lost value from the loan. The goal of this program is re-writing your current loan, and keeping you and your family in your home.

With professional help, you may be able to lower your monthly bills, reduce your interest rate, re-write your mortgage, and stay in your current home. There are no income restrictions on this program, and you can be current, or behind in your mortgage payments. There are a lot of options out there, contact CCFG for your free, no obligation consultation.

Features of our Attorney based program:

What Is Possible in a Mortgage Modification?

• Stop the foreclosure of your home
• Reduce the interest rate, lowering mortgage payments
• Extend the term of the loan.
  
• Fix the interest rate, as opposed to adjustable rates
• Stop a future rate adjustment
• Provide principal reduction, lender writing off part of the loan.
  
• Loan Modification
• Eliminate Past Due Fees
  
• Short Sales, negotiations with the lender to take less than full balance for payoff.
• Bankruptcy consultation, when all else fails

Possible Remedies:

• Stopping foreclosure
• Term Extension
• Rate Reduction
• Principal Reduction

Not every Loan Qualifies. For some reason, some lenders prefer a foreclosure to a loan modification. But for those that do qualify, the results can be great! Don't you owe it to yourself and your family to check out the possibilities? For more details, enter your information on the form below, at the right! No cost, No obligation!

This is not a refinance program, good credit scores are not needed, equity is not needed. This is a series of negotiations between attorneys and your existing lender, in an effort to make your current loan a better deal for you, avoiding foreclosure, and staying in your home.

Sample Credit Repair Replies ...

You haven't read a lot of empty promises, and you won't hear them from CCFG either.

But how do you know we actually perform?

The pages below are totally real, they are actual scans, and a few are a little messy, but all real!

The Links Below contain Redacted copies of Actual Replies that go to our Clients on a regular basis.. You could soon be seeing results like these .. clicking each button opens a link to about 8 pages that our clients forwarded to us.

These may take a bit of time to load on a slow connection, but they are worth it.

Deleted = Bad Item gone forever

Updated = Late payments removed, item closed, item now showing paid vs. unpaid.

Unchanged / Remains = CCFG hits it again.

Now See the items on YouTube Use the HD option for better viewing.

CCFG Credit Repair Video One

CCFG Credit Repair Video Two

 You  will need Adobe Reader, Free from Adobe.com

Group One

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Group Six

Our Privacy Policy:

We do not share any of your personal information with any outside source. CCFG Credit Repair will not sell your name, address, phone number, or email address to anyone for any reason. And we won't call you or send you an email every week to entice you to join up.