Clear Credit will offer you a free credit report that you can view online. They claim that they will assist you in disputing negative items/inaccuracies, charging only when a dispute is filed. They will ask you for your credit card number under the guise of "verifying your identity."
What you don't know is, that once they bring your report online, the information will lack detail and instead, give you a "count" of negative items. You will not know what these negative items are, and more importantly, you will not be given the opportunity to decide for yourself which to dispute, or offer explanations/provide evidence. The process begins automatically, so if Clear Credit says you have 24 negative items, they'll dispute all 24 @ 7.95 a piece and charge that credit card they asked you for.
Generic disputes can seriously damage your credit. If a 5 year-old collection account comes back "verified, " it's as if the debt began "today" and another 7 years gets added.cc does not care to improve your credit, they only want your money.
Finally, CC will allow it's marketing partners to "check your credit" resulting in inquiries. I recieved a notice that a mortgage company was going to "prequalify me" and I would see an inquiry on my report. Be careful! These also damage your credit.
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