Stop settling for less. It's time to fix your credit.


Establish, rebuild & repair your creditworthiness. Access & unlock the credit that you deserve.

Create Generational


So much value. 
So many benefits. 
So affordable.
$198 Enrollment Fee/ $149 Monthly



Line by line account assessment

Dispute action plan

Credit report analysis packet

45 minutes of uninterrupted access to credit partner



Credit monitoring

Identity monitoring

Monthly 3 bureau report

Score tracker

Score  simulator

Email score alerts

Checking account report

Lost wallet

$25K each Identity Theft Coverage for you + enrolled family members

Affordable monthly payments 



Unlimited disputes

Personalized credit building plan

Credit building strategy calls

Budgeting worksheet

Customized debt calculator

Access to secured credit cards 

Access to unsecured credit cards

Access to primary installment accounts



Become a member in our private online community

Free tools & resources to help you reach your goals

Credit insight to help you maintain positive credit

Free LIVE credit workshops aimed to educate & empower

Community support during & post repair program


Board certified by the Credit Consultants Association

Certified credit score consultants

Experienced & proficient 

Attorney partners 

1:1 access to all of your unanswered credit questions


How Our Program Works

Before you sign up, please read

Before you sign up, there are a few qualifications to consider to determine if credit restoration is right for you. Everyone begins with the initial consultation, where we will hear about your credit goals and asses how we may be able to help you achieve them! From there, for qualifying clients, the below requirements must be maintainted. If you are unable to commit to the following, unfortunately our program may not be right for you at this current time. However, we look forward to serving you in the near future! REQUIREMENTS- Clients are required to have the following: 1.) Monthly credit monitoring from our preferred provider at an additional monthly cost of $24.95 2.) Documents: Choose (2) address verification documents: utility bills, bank statements or insurance statement Choose (1) name verification document: driver’s license, government issued ID, passport or state issued ID Choose (1) identity verification document: copy of social security card, w2 or 1099 3.) Access to digital communication- clients must have scan or photo capabilities, as they are required to forward dispute results to their credit partner during this process. We encourage you to download a free scan app if necessary. 4.) Onboarding tasks which includes submitting the above documents. Generally, onboarding tasks take about 10 minutes to complete. INELIGIBLE- if the following apply: 1.) If you are currently in an active bankruptcy 2.) If you are currently 90 days past due on your bills 3.) If you are currently being sued on a debt

Enrollment, FREE Consultation Call:

Start with booking your FREE consultation call. Upon completion of your call you may have the option to enroll in our credit repair program so long as you meet the requirements.

Dispute Letters Mailed Out:

Based on what has been discussed during your 1:1 credit report audit call, your credit partner will strategically personalize your dispute letters and mail them to the desired destination, either the credit bureaus, creditor or collection agency. As Board Certified Credit Consultants, we dispute accounts based off of their inaccuracy, untimely or unverifiable reporting. Remember, information on your credit report must be 100% accurate, verifiable and timely.

Results are Received:

The responding party, either the credit bureaus, creditor or collection agency has 30-45 days from the date of receipt of our dispute letter to provide you with their results from their completed investigation. Upon receiving the results of the dispute, you are required to foward a scanned clear and full copy of the correspondence. Again, we highly recommend downloading free tools to enable you to scan these required documents to us. Consider these scan apps: available in Google Play & App Store HP Smart Office Lens Mobile Scan App

Monthly Review:

Results are in! It's time to review your monthly credit report and update it accordingly. If results are not verifiable or accurate we will escalate the process with another round of disputes. Based on the outcome of our dispute investigation results, you may see improvement in your credit profile, which may have positively affected your credit score. Please note, there is no guarantee that you will have a specific credit score increase within a specific amount of time. Results may vary.


The Initial Free Consultation is the inital service, similar to a clarity call. A Credit Partner will assess if you are in the position to begin the credit repair journey! The New Beginning's Credit Program is for qualifying clients who have completed the FREE consultation, AND initial 1:1 credit report audit call with a Credit Partner. **Please note, anyone may complete the FREE consultation call however, not everyone will qualify for the program. See "Before you sign up, please read" to review program elgibility requirements.

1:1 Credit Report Audit Call

After you complete your FREE consultation call,qualifying clients will then schedule their 1:1 credit report audit: During your scheduled 1:1 credit report audit your credit partner will contact you. Please allocate 45 minutes for this call, it’s best if you are able to access your credit report and follow along. During this time, your credit partner will thoroughly walk you through your report line by line, working with you to discover any errors or inaccuracies. You will be provided a comprehensive report, credit building plan and dispute action plan.



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CLEAR CENTS CREDIT PARTNERS teach you how to maintain a strong credit profile

35% Payment History 

The most important genetic of credit, allows lenders to assess borrowers risks based on if they are current or delinquent on credit accounts.


5 Tips To Increase a Credit Score

1.) The goal is to have 100% on time payments. In achieving this goal, a higher credit score may be maintained.

2.) Keep credit card balances low, below 10% in order to maximize all available points.

3.) Do not close positive older accounts, credit age is very important to a strong credit profile.

4.) Have a healthy mix of different credit accounts. At least 3 revolving accounts & 1 installment account. 

5.) Avoid excessive inquiries, aim for no more than 2-3 per year.

"Don't keep passing on opportunities repeatedly. You have the right to an abundant life!"

Frequently Asked Questions

What can be disputed? 


Any inaccurate, outdated, unverified information. This includes accounts containing incorrect or old addresses, unauthorized inquiries, fraudulent information, collection accounts, charge offs, medical bills, child support, incorrect names and much more. It is important to note, accurate accounts can not be removed from a consumer report. 

How long does the process take? 

Results vary as no client's credit situation is the same. In general, clients see initial results within 30-45 days. Please keep in mind, that improving credit worthiness is a process, and depending on the individual circumstance, there may be a need to not only process disputes but also work to rebuild credit history via secured cards. Overall, our goal is to graduate our clients within 6-9 months. However, we do not make any promise or guarantees regarding the removal of inaccurate items.


What do I need to do to be successful in this program? 

Our program is a partnership. Your part is pretty simple. All we ask is that you maintain your monthly credit monitoring service, keep credit card balances low, pay all bills on time and promptly forward us your dispute investigation results.

How am I billed? 


Our audit fee will be charged upon the completion of  your audit call. Our monthly service fee is billed on the 15th of every month. Please remember that your enrollment with our preferred credit monitoring site, is a separate charge of $24.95 coming directly from the credit monitoring provider.

What's the cancellation policy? 


Our service is on a month to month basis. If at any time you wish to discontinue your service you may do so at request via letter, mailed to our Torrance office at least (15) days in advance of your upcoming recurring payment.