Student Loan Relief
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President Trump has directed the Secretary of the U.S. Department of Education (ED) to continue to suspend loan payments, stop collections, and waive interest on ED-owned student loans through December 31, 2020. You do not need to take action if your loans are owned by ED. Visit for updates.

Student Loan Relief Tips

Follow these student loan relief steps:

  1. Never pay a third party company to handle your student loans.
  2. Call your student loan providers, do not ignore them.
  3. If you are behind, request them to mail or email you the Income Driven Repayment Plan application.
  4. Fill the application out and select which IDR plan you wish to enroll in; select the IBR plan or Pay As You Earn.
  5. Wait 2-3 weeks for the student loan providers to enroll you in the IDR plan.
  6. Call the student loan providers if you do not receive the documentation regarding your monthly payment arrangement.
  7. If you are in default, call your student loan provider to enroll in the Student Loan Rehab Program.
  8. If you want to start and complete the IDR application online, visit
  9. Search for repayment plans on
  10. Fill out IDR application and import your tax documents directly from the IRS.


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Credit repair is a financial literacy service that identifies & evaluates with the intentions to remove derogatory inaccurate & unverifiable accounts from consumers’ credit reports. Throughout the credit repair process a variety of dispute strategies and methods are implemented to remove the derogatory accounts from consumers’ credit profiles.

The credit repairing timeframe depends on the severity of your credit profile PRIOR to starting the credit repair process. The type, amount of negative accounts and who the creditors are that owns the negative accounts on your credit profiles has a significant impact on how long it will take to repair your credit profiles. 

ESTIMATED CREDIT REPAIR TIMEFRAMES: (May vary depending on creditor)

  • MILD: (3-6 Months) Medical Collections, Non-Medical Collections, Inquiries
  • HARD: (6-9 Months) Charge Offs, Medical Collections, Non-Medical Collections, Inquiries
  • CHALLENGED (9-12 Months) Student loans, Bankruptcy, Charge-Offs, Medical Collections, Non-Medical Collections, Inquiries
  • VERY DIFFICULT (12-18 Months) Repossession, Bankruptcy, Charge-Offs, Medical Collections, Non-Medical Collections, Inquiries
  • SEVERE (18-24 Months) Repossession, Student loans, Bankruptcy, Charge-Offs, Medical Collections, Non-Medical Collections, Late Payments, Inquiries

Clients must create a credit monitoring account to pull updated credit scores and reports (click here to pull your updated scores and reports).

  • Once updated scores and reports are received the clients credit reports are analyzed and calculated. During the analysis and evaluation process the client is given a detailed evaluation and an estimated credit repairing timeframe.
  • Clients’ credit profiles will be calculated to develop the quickest strategies and methods to enhance the strength of the clients’ credit profiles and scores.
  • Dispute against negative accounts to be deleted by the credit bureaus and creditors.
  • The negative accounts that are not deleted in each dispute round will be reprocessed until they are deleted from the clients’ credit reports.
  • Credit profile building will be recommended and implemented to improve the strength of the clients’ credit profiles and scores throughout the credit repairing process.
  • Once clients’ credit reports and scores have been rectified and repaired, clients are encouraged to leverage their new credit profiles and scores every 18-24 months.
  • Seasoned tradelines are considered for an extra credit score increase.

FICO and “The score lenders use” are trademarks or registered trademarks of Fair Isaac Corporation in the United States and other countries. CMS and Credit Management System are registered trademarks of Dekamco Development LLC in the United States

© 2023 Clean Credit Crew. All rights reserved. 


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What you need to know about our testimonials

Testimonials represent the results of the particular individual and you should not expect the same result because your case is different than everyone else’s. promises only to communicate with creditors on your behalf and in your name, verify report changes with bureaus, and provide you timely information about changes in your reports. Any credit score improvement seen after using our services is the result of many other additional factors, including: keeping credit balances low, paying bills on time, reducing or eliminating unnecessary inquiries, and developing appropriate types of credit, and sound financial planning.