Borrowing can still be done, but getting loans to take advantage of the great deals on everything from cars to houses takes a higher credit score than it has in the past.. and higher credit scores are what CCFG is all about!

Lenders today look for clean credit reports, and higher credit scores! The lowest interest rates are offered to individuals with higher credit scores! Lower Rates Mean Lower Payments every month! Higher Credit Scores from CCFG are More Important Today Than Ever!

At Some Point in Everyone’s Life, They Wish That Their Past Mistakes Could Be Erased, Removed, or Deleted, so they could truly have a Fresh Credit Start. When that time arrives for you, remember CCFG, and what we have done for Others in a Similar Situation.

Now Combining Debt Settlement and Negotiation and Attorney Based Loan Mod Programs with Free Credit History Restoration! The Best of Both Worlds! Get your unsecured debts negotiated and paid off, and your reports cleared! The Perfect Debt Solution, only from CrediClear Financial Group!

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, whether Chapter 7 or Chapter 13, 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 report repair, 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. . We update and add constantly with real answers to real questions.

We have also added calculators on our primary credit repair site, 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 Report 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. You can also see the results on YouTube, Credit Repair Video One, or Two Use the HD option for better viewing. It is a random sampling of derogatory items removed from credit files, but you will find something there that you can relate to.

Credit Repair and restoration is a totally legal process involving the removal of the negative items from a credit file, raising the score. While the details of credit 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 you past hold you back any longer! Many people think that simply adding new trade lines can raise a credit 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 credit 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 credit score to the level it is now at. The real secret of credit repair 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 Credit Repair & Restoration firm that offers everything that CCFG does:

* Various levels of Full Service Plans that You Choose

* You Can Switch up or Down in Plan Levels

* An Assisted Self Service DIY Plan

* NO Automatic Bank Drafts or Card Charges

* Referral/Affiliate Programs to help your budget

* Real People on the Phone when you call!

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

* With Clients from Texas to Minnesota, and California to Connecticut,Alaska to Florida, CrediClear is truly a nationwide Credit Repair Agency!

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, inaccurate 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 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 and restoration 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.

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.
Credit Scores are no more than grades of the way you have paid back reported loans in the past. Here are the rankings:
720 to 850 Excellent, Tier One 1, or A
650 to 719 Good, Tier Two 2, or B
620 to 649 Fair, Tier Three 3, or C
550 to 619 Poor, Tier Four 4, or D
350 to 549 Very Poor, Tier Five 5 or E
Our goal is to move your credit rating to a higher tier, where lenders offer you better rates on every loan you get! You save money every month with lower interest rates!