Under the Fair Credit Reporting Act (FCRA), federal law mandates the accuracy of consumer data and strictly limits how long negative information can remain on a credit report. Specifically, most derogatory marks must be removed after seven years plus 180 days from the date of the original delinquency. Creditors and consumer reporting agencies are prohibited from 're-aging' accounts to extend this window or selling inaccurate information to third parties.

Credit Review: We review your credit reports from all three bureaus.

Identify Issues: We locate inaccurate, outdated, or unverifiable items.

We Handle the Disputes: We prepare and send disputes on your behalf.

Follow‑Up & Updates: We track responses and adjust your plan as needed.

• Secure & Encrypted

__________________

• No Hard Inquiry

_________________

• Private & Confidential

____________________

We help you understand what’s helping and hurting your credit in simple, clear terms. No hard pulls, no obligations — just honest guidance based on your situation. Your path forward becomes easier when you know exactly where you stand.

Disclaimer: Clear Credit LLC provides credit counseling and credit repair services in compliance with federal and South Carolina law. We do not guarantee specific results or a particular increase in your credit score. Consumers have the right to dispute information on their credit reports directly with the credit bureaus at no cost.