About Clear Credit Coach

Hi, I'm Travis Hart

I'm the founder of Clear Credit Coach, and I'm based in Florida. For 12 years I worked as a realtor and a builder. In that work, I saw how much credit reports affect people's lives.

I built Clear Credit Coach to explain how credit reports work in plain English, and to show people how to review their own reports and dispute errors themselves, directly with the credit bureaus, for free.

What Clear Credit Coach does

• Free guides. Our Learn section covers how to dispute a credit report error yourself, common errors to look for, and what happens after you dispute.
• A free checklist. The Credit Report Error Checklist helps you review all three reports section by section.
• A do-it-yourself guide. The Do-It-Yourself Credit Report Guide ($49) is a workbook with step-by-step instructions, an annotated sample report, editable letter templates, and a dispute tracker.
• An app, coming soon. We're building a credit education app with tools to learn, track, and organize.

What we are not

Clear Credit Coach is education-only.

• We are not a law firm, and nothing on this site is legal advice.
• We are not a credit repair organization and don't perform credit repair services.
• We don't perform services on anyone's behalf, and we don't contact credit bureaus or creditors for you.
• We don't guarantee any change to your credit report or score. Results vary, and accurate, timely information can legally stay on a credit report.

You decide what to do with what you learn. If you choose to dispute something, you review every letter and you send it yourself.

How we write our guides

Our guides cite primary sources such as the Consumer Financial Protection Bureau, the Federal Trade Commission, the Fair Credit Reporting Act, and the Florida Statutes, and each one shows the date it was last updated. If you spot something that's out of date or unclear, please tell us.

Contact

Email hello@clearcreditcoach.com.