Straight answers about how ClearFile works, what it costs, and what we never promise.
Is my data safe?
Yes. At the waitlist stage we collect only your email and your plan preference — no credit data, no payment details. If you join ClearFile at launch, your credit reports will be handled with encryption, access controls, and a published retention policy — and we never sell or share your information. Details are in our privacy policy.
Do you guarantee a score increase?
No — and you should be wary of anyone who does. No legitimate service can guarantee a credit score increase, because results depend on the accuracy of your reports and how bureaus respond. We only help you dispute information that is inaccurate or incomplete; accurate information stays on your report.
How is this different from Lexington Law?
Traditional credit repair companies run on human labor — paralegals and case managers — which is why they typically charge $80–$140 a month. ClearFile runs a CROA/FCRA-compliant dispute process on AI instead, so we can offer it from $29 a month — with no upfront fees and no score guarantees.
What if I cancel?
You may cancel within 3 business days of signing up, with no obligation — and you can cancel anytime after that. Cancellation is as easy as signing up, and any refund owed within the cancellation window is processed promptly.
Do I pay upfront?
No. No payment is collected at any point during early access, and we never charge upfront fees — you are only charged for services actually performed. That's the law under CROA, and it's how we'd want to be treated too.
Which bureaus do you cover?
All three: Equifax, Experian, and TransUnion.
