Clear Credit Exchange, Credit Consulting, San Jose

"clearing the path to your financial future "

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WELCOME to our creative solutions

The face of our reputation is not in front of us ~ nor does it carry the genes your mom and dad gave you. In this society and in America it's your E-Identity and Credentials that tell us who you are. The world of credit and e-identity is NOT a simple system. From credit scoring to mistakes in your name and identity - everyone THINKS they know how it all works . Unfortunately this is far from the truth. The rules of the GAME changes all the time and unless you are diligent in constantly practicing strategic management skills - you will find yourself scratching your head wondering what happened to your credit score and why you were denied an employment opportunity.

With over 18 years of experience in e-identity and the credit industry we realize that it is not an exact science and that even making an on time payment is not enough. Repairing your credit is a life changing decision and it's a commitment that you make conciously.

This is why Clear Credit Exchange prides itself in customizing credit programs for each client. Not everyone's goals are the same and neither is their credit. Through a proper review and consultation with a Certified Debt & Credit Counselor ~ We will devise a MAP (Master Action Plan) and get you back on track to a brighter tomorrow.

So give us a call today for your FREE credit evaluation and start clearing the path to your financial future!

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MISSION

ON mission

Founded in 2001 Clear Credit Exchange consists of a group of professionals that have worked in the financial, legal and credit industry for over 18 years. With over 35 active Certified Credit Experts through out the United States - Clear Credit Exhange's mission is to educate and empower consumers and small businesses nationwide.

IN community

We believe that it's not who you are underneath; it's what you do that defines you.

Our alliance with other various non-profit organizations and agencies allow us to express our passion in helping the underserved. Through our Credit Intelligence Workshops we customize each educational session to fit the needs of each group. Our community program provides the resources they need to be economically stable and sustainable.

Some of our CCE Community Partners are:

* NAAC National Asian American Coalition - Underserved Minority Communities

* Virtek Company - Government Contracts for Disabled Veteran Business Owners

* Habitat For Humanity - Affordable Homes For Those In Need

* SJB Child Development - Focused on well being and environmental support of children

* US C.A.R.E.S. - Down Payment Assistance Programs and Financial Literacy Programs

* NaFFAA - National advocacy group serving as the voice for Filipino Americans worldwide

* Nationally recognized African American Fraternities and Sororities serving the community

* Fatherhood & Male Involvement Collaborative - Support group of Non-Profits focused on Fathers.

MISSION

mis-sion (mishe'n)

noun. 1. a sending out or being sent out with authority to perform a special service; specific 2. the special task or purpose for which a person which apparently is destined in life; calling

SERVICES

WHAT makes us different

Most companies use a cookie cutter process in cleaning your credit. It is an unobserved system and very frustrating with minimal results. This is mainly due to the fact that they use the same letter of dispute for EVERYONE.

We believe that no two credit reports are alike and neither is your situation. Your budget and time restraints are key. We utilize a multi-stage process that customizes your program to meet your goals. We get to the root of the problem - this assures that your corrections and updates are permanent. In addition, the monitoring and re-evaluation of your credit through out the duration of the program also allows your program to change if your goals change.

All clients receive the following benefits with every customized program:

Unlimited credit reviews

Progress update via email every month (CCSII Program)

1 year of free credit coaching and reviews after program is complete

Free admission to any of our credit education workshops and events

Access to our executive referral network of attorneys and specialists

Money Back Performance Guarantee - See Program Contract for Details.

CREDIT PROGRAMS

Clean Credit Sweep II

Efffective for Clients who have several derogatory accounts including public record and collections that are inaccurate or obsolete. Requires active participation from Client to forward all correspondence from the bureaus monthly. Not recommended for open derogatory accounts in which the client will continue to be delinquent. Only the unverified and inaccurate information will be removed.

MAX DURATION: 6 Months

Late Payment Removal

Immediate removal of inaccurate late payments on any open accounts within 45-60 days including mortgage, auto and credit card lates. Also 100% effective on settlement and complete removal of inaccurately reported collections. Ideal for "surprise lates" or collections that pop up in the middle of escrow or when the derogatories are isolated. A removal letter direct from creditor. The letter assures the ability to rapid rescore your credit profile with your loan officer. Legal representation. Not recommended for extreme derogatories on multiple accounts. Pre-interview and qualification required and accepted only on a case by case basis.

MAX DURATION: 30 - 60 Days

Short Sale/ Foreclosure Removal

This program is specifically designed to remove inaccurate and unverified Short Sales and Foreclosues from your credit report. All lender accounts must reflect closed, foreclosed or settled for less than agreed. No pending foreclosures. Account in question can not be open. Completion time may vary depending on Lender. Perfect for isolated derogatory accounts. Client must be available to answer questions during the process.

MAX DURATION: 30 - 60 Days

Public Records Removal

Immediate removal of unverified and inaccurate public records from your credit profile. This does not relieve Client of the debt or remove it from the courts - The purpose is to prevent inaccurate and unverified public record from reporting to the credit bureaus. We have successfully removed unverified bankruptcies, tax liens and judgements. This program is a specific target service.

MAX DURATION: 45 Days

Credit Rebuild

This program is structured to assist in rebuilding your credit profile after the closure of good paying accounts by your creditor, post bankruptcy, no history or lack of credit or anytime credi history needs to be rebuilt to calculate a score. CCE has built a relationship with merchants and corporations that are not score driven. 95% of all applicants are approved for credit just from being enrolled in this program. Some utilization, payments and purchase of products must be exercised on a regular basis in order to continuously build and report to the bureaus.

MAX DURATION: 30 - 90

E-IDENTITY PROGRAMS

Criminal Record Expungement

Description available soon - Service Available now -

Traffic - DUI

Description available soon - Service Available now -

** Clear Credit Exchange and it's partners and affiliates reserve the right to exchange programs or alter procedures to maximize the results during the program OR utilize one or more programs simultaniously in order to achieve improvement and accuracy of your credit profile. Program changes are generally at no cost to the Client however there are exceptions when New Derogatory information reports AFTER enrollment additional costs may be charged on a case by case basis.

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SERVICES

CREDIT evaluation

All clients are required to obtain a 3 bureau credit report for review prior to any enrollment in any of our programs. Only applications submitted and underwritten by a CCE Credit Expert will be accepted.

MILITARY

MILITARY SERVICES Coming Soon

SERVICES

CREDIT evaluation

COMMUNITY

RESTORATION 7

Community Program

Clear Credit Exchange (CCE) provides a unique educational coaching program that is designed to re-establish the communitys economic security through financial education, restoration of credit and e-identity credentials. Based on core curriculims CCE has created a proactive, hands on educational experience for each recipient. Our results oriented programs are measured by test results along with before and after credential reviews.

The impact of the information and the measured end result of this program creates a headstart for all recipients. It expands opportunity, hope, management skills and understanding of the main societal systems that can hinder or prosper their life. We believe that the basic knowledge of these systems and how to correct them will prevent a snowball effect of undue stress and financial hardship. CCE has over 18 years of credential experience with customers and there is a great need for these specialized courses. These subjects are not taught in our basic school systems and the need for e-identity and credential education unfortunately comes too late after financial tragedy has hit or individuals have resorted to other means and activities not congruent to society. This is self evident in our current economic situation, in our courts systems, jails and credit score profiles.

Uneducated individuals make negative choices that can hinder their economic security. We can make a fundamental shift in changing the way the community reacts to this economy. When individuals know how to build, manage and mitigate financials and credentials when events occur it creates order, congruency and a stronger community. We strive to educate, coach and empower individuals to avoid the consequences of an unobserved life.

RESTORATION 7 PROGRAM:

Although this program can benefit ALL individuals, it was originally created to serve seven core groups. These groups are underserved and are in need of our program to rebuild and sustain their ecomonic stability. The seven community groups are:

* Single Minority Fathers and Mothers

* Low to Medium Income Families

* Veterans (Disabled, Active, Retired)

* Ex-Offenders re-entering society - Men/ Women

* Foreclosed & Bankrupt Homeowners

* Minority Small Businesses

* Non Profits and small businesses that serve these groups

Restoration 7 is a grant funded program that operates and partners with national advocates dedicated to these core groups. If you would like more information on this program or would like to apply through any of our community partners please call (408) 727-7711 Ext. 4 and leave your information. This program does not accept individuals and all applications must be submitted through a Non Profit prequalified source.

PRAISE

I am a nurse and I just moved here from England. I had no credit and a good job. I learned so much about credit and how it works that Im not feeling lost anymore. I feel really good especially now that I was able to buy my car.

I had no credit at all and now I have 6 accounts and a 760 score. Clear Credit taught me where to apply where I wouldn't get denied and how to make my payments and exercise my credit. I am proud of myself. Thank you Clear Credit Exchange.

G. Tallin

Tuscon, AZ

I've been to other repair companies - they were cheaper and I got cheaper results. I really learned alot about credit going through their programs. They give you free tips and ways to help increase your score while theyre working on your credit. I didnt even know I had to do additional things to increase the score. They did a great job and I feel confident to go back to them again if something happens.

J. Gabin

Dallas, TX

All I can say is from 590 to 740 in 8 months. Wow. Amazing when you follow directions!

T. Hill

San Francisco, CA

Clear Credit is fast! They took off my 8 mortgage lates off in 45 days with their Late Payment Removal Program! I thought it was expensive but it is so worth every dime especially since I was trying to buy a house. As a business owner it is crucial to keep up your credit. Cleaning up my credit also got me an increase on my business credit line. The best in credit restoration!

J. Valencia

Santa Barbara, CA

During my divorce my wife didn't make the payments on our house or the credit cards. Since they were joint accounts it affected my credit. Hazel was able to settle and close the accounts and remove the lates so that both me and my ex-wife could start new with clean credit. I had to rebuild credit after the divorce too and she also helped me with that. She was really thoughtful and considerate of everyone's feelings during the process. I am so glad I used her. It made my life so much easier during a dificult time.

A. Jameson

Palm Desert, CA

Clear Credit Exchange is so unique. I have been using them for my clients for the past 7 years. I love that they are realistic about their results and they back everything they promise. I dont go anywhere else. My clients are impressed with the professionalism and the results. As a Real Estate Broker I dont need pie in the sky promises - only to find out my clients credit won't get fixed. I need real results in real time because I dont want to waste MY time. If they say 6 months it's 6 months - If it's 60 days it's 60 days - and they do an outstanding job.

F. Deleon

San Jose, CA

I didn't even know you could build your credit this fast! I've been sitting here for 3 years after my Bankruptcy and wondering why my score wasn't coming up! I was applying for secured cards and rebuilding my credit but the score never moved. After tallking to Fernando he explained to me what " I wasn't doing" that was affecting my score. It made so much sense I was blown away. In 6 months I went from a 540 score to 670 just by doing what he suggested. I didnt even pay him for that advice! Nice people.

M. Brown

Tampa, FL

My identity was stolen and my credit was horribly damaged. Clear Credit helped me file all my paperwork for idenitity theft and helped me rebuild my credit. They also guided me on how to protect my privacy too. What a helpful organization. I knew they were different when I attended their workshop.

G. Sumner

Walnut Creek, CA

PRAISE

TEAM

OUR team

Our team of Creditential Experts are not sales people. They are financial services and legal professionals who have made a committment to uphold the integrity of the credit industry. They have earned their place with us through our company certification program and participate in monthly training modules to keep them abreast of the ever changing financial and credit environment. Many carry additional speciality designations that also allow them to consult and guide you through difficult scenarios.

Some of the specialty designations are Certified Credit Counselor, Certified Debt Specialists, Business Bankruptcy Specialist, ID Theft Specialists & Privacy Specialists.

We are passionate about the past and the future of your identity and your credit profile. Only CCE Credit Experts have been specially trained to predict the history of credit reporting behavior - based on a simple credit review. Through thousands of credit reviews we continually analyze and predict the probability of derogatory removal and score increases based on actual cases. This allows us to correct the mistakes that are historically made on credit reports.

LEGAL team

On severe situations we may refer your case to our team of legal advisors who may represent or assist you in your situation. Rest assured that our team of attorneys and paralegals can sometimes obtain faster results and obtain favor with your creditors just through a simple phone call or letter. Our licensed attorney

also has vast experience in debt settlement and criminal records expungement and have helped thousands of people begin again more intelligently.

So when you need corrections or recovery of your full credentials - our integris team is ready to help you get the fresh start you deserve.

TEAM

together everyone achieves more

LIST OF REPS AND LOCATIONS COMING SOON

CALL CORP OFFICE FOR A CCE CREDIT EXPERT NEAR YOU

CONTACT

Office Phone: (408) 727 - 7711

Toll Free: (877) 307 - 7711

Fax: (408) 872 - 4495

Mailing Address: 1743 Park Avenue #149

San Jose, CA 95126

Due to the nature of our business - we do not allow walk-ins for security reasons. Physical location of our office will be disclosed by appointment only.

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