ClearOne Advantage vs Credit9: Which One Is The Best Option?

ClearOne Advantage vs Credit9

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If you want to make an informed decision about which lender to choose, you must do your research to make a reliable decision. The following compares ClearOne Advantage vs. Credit9 to help you determine the best option.


ClearOne Advantage Review: Debt Relief With An Affordable Payment

With ClearOne Advantage, people can reduce their monthly payments and get out of unsecured debt by lowering their monthly payments. As a result of their proven track record of success, many people have been able to become debt-free. The services offered by ClearOne Advantage can be customized to meet the specific needs of each individual. We will review ClearOne Advantage’s services and hear from its customers in this review.

ClearOne Advantage vs Credit9: Which One Is The Best Option? 1

ClearOne Advantage: Overview

Is it difficult for you to keep up with your debt payments? There may be a solution available through ClearOne Advantage. Since 2008, the company has assisted thousands of clients in resolving their enrolled debt issues. The ClearOne Advantage program has received a great deal of attention and positive reviews in recent years. But is this company the right fit for you?

An examination of their website and terms and conditions revealed some interesting results. Listed below are some of the more noteworthy items.

  • A+ rating from the Better Business Bureau and a client satisfaction score of 9 out of 10.
  • Until your enrolled debt is reduced and savings are achieved, their services are free of charge.
  • A budget-friendly monthly payment plan will be created for you to save you money.
  • Throughout 24 to 60 months, clients who follow the program and settle all their debts can expect to save around 50%.
  • Having repaid over $3 billion in debt on behalf of clients, the company has a proven track record.
  • You have access to all your account information through a self-service client portal, which is available to you 24 hours a day, seven days a week.
  • Its website offers tools for budgeting, articles, and a guide to debt management.
  • The Consumer Debt Relief Initiative (CDRI) has accredited me as a member
  • In the debt settlement industry, they have the best reputation.
  • Customer loyalty group with an award-winning reputation.
  • In addition to secured debt, ClearOne Advantage does not accept real estate-backed debt.

ClearOne Advantage: What Is It?

You may be able to benefit from ClearOne Advantage if you are experiencing financial difficulties. Their debt relief business has assisted thousands of customers in paying off credit card balances and other unsecured debts since 2008.

The service is free of charge upfront. In collaboration with you, ClearOne Advantage develops a debt reduction strategy tailored to your budget. To pay back your debts in a manageable amount, their licensed debt counselors will negotiate with your creditors to decrease your final payment levels.

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Call 888-340-4697 or email support@ClearOneAdvantage to get in touch with this Baltimore-based company.

How Does This Company Work?

Even though finding debt relief may seem difficult, it is not impossible. ClearOne begins by performing a debt analysis and estimating savings. The Customer Loyalty Group’s Certified Debt Specialists will review your case and work with you to devise a budget-friendly repayment plan. The process can be completed over the phone or online in less than 20 minutes.

ClearOne’s debt reduction analysis will explain how much money you can save based on your unique circumstances.

After You Sign Up, What Happens?

When you enroll in their program, you pay a reduced monthly amount into an FDIC-insured bank account in your name. This account will be used to make monthly payments to your creditors, which may be as much as 40% less than what you currently pay.

Upon increasing your fund balance, ClearOne Advantage will begin negotiating on your behalf with your creditors. As a result of this procedure, you will be able to get back on track, improve your financial situation, increase your chances of being approved for a debt consolidation loan, and avoid the need for further debt relief programs.

How To Qualify For Their Offers

ClearOne Advantage vs Credit9: Which One Is The Best Option? 2

Different debt relief strategies are suitable for different individuals. The best course of action for some people may be to file for bankruptcy or to use credit restoration services. On the other hand, others would be better served by making regular payments to a debt settlement agency. Various monetary circumstances can be accommodated by debt settlement.

To settle your debt through a debt settlement plan, you must set aside money for a lump-sum payment. A general rule of thumb is to set aside 1.5% of your overall monthly debt. The result is that a person with an unsecured debt of $30,000 should be able to save away $450 per month regularly. A program of this nature could last for approximately three years.

ClearOne Advantage: BBB Reviews

A+ rated by the Better Business Bureau and recognized since 2014, ClearOne Advantage is a top-ranked company. Their average client rating is 472 and there are nearly no unfavorable reviews.

See If You Qualify for Credit Card Relief

See how much you can save every month — plus get an estimate of time savings and total savings — with your very own personalized plan.


Here are some reviews:

Ruthie J 07/09/2022

I’m satisfied with the debt settlement process, and payouts are all they said they would be, and they have saved us quite a few dollars… our credit took a big hit, but they told us it would. I haven’t had problems other than miscommunication, and I hope we don’t. My only problem is communication… I need to know what’s going on promptly.

Tammy J. 04/16/2022

This is a great company. They are all accommodating and understanding!!!

Kimberly V. 03/01/2022

AMAZING customer service. I was at a loss for what to do about my financial situation, and I found this service. I recommend this company to everyone and look forward to being debt-free.

Tara R 02/04/2022

I waited a couple of months to leave this review because I needed to make sure everything was going to play out as it was explained to me, and I wanted others to know how legit this process was. So now that I’ve waited, I have to say that Armani was great to work with. He was professional, kind, and reassuring. I have never felt such a sigh of relief. I can live without the horrible stress I have been dealing with. I only wish that I had done this sooner. Now I can get on with my life and make better choices regarding any credit. Thank you!!


How Much Can You Save With ClearOne Advantage?

Getting your monthly payment back on track with ClearOne Advantage and saving an average of 50% on your obligations before fees is possible. Depending on how much debt you have and the willingness of your creditors to negotiate, you may be able to save. Take a look at the customer reviews.

How Much Does It Charge?

With ClearOne Advantage, one of the leading debt settlement companies, there are no hidden fees. You will have to pay their fee only after the settlement has been reached and approved. Moreover, they will only be paid after you have made at least one monthly payment toward the settlement. Because every case is different, their fees and costs will vary.

How Does It Affect Your Credit?

If you settle a credit card debt for less than what you owe, it will appear as a black mark on your credit report. If you need to borrow again in the future, lenders will often use your credit score and previous monthly payments to make a lending decision.

How To Cancel ClearOne Advantage?

ClearOne Advantage vs Credit9: Which One Is The Best Option? 3

To get out of debt, knowing your rights and options is important before signing any contracts with a debt settlement consultant. Getting out of a debt settlement contract is as simple as requesting it in writing from the debt settlement company.

Do you have financial difficulties? You may find these pointers helpful in regaining your focus.

  • Making and adhering to a budget is an excellent way to stay on track.
  • In addition, you can consult a financial expert who can explain your options and suggest a strategy that is right for you.
  • Lastly, don’t worry too much about debt if you have debt. It is common for businesses to collaborate with clients to develop a more affordable payment schedule. For more information, contact their customer service department.

ClearOne Advantage: Is it a Scam or Legit?

ClearOne Advantage offers outstanding debt negotiation services and a reliable debt settlement program. It is accredited by the American Fair Credit Council (AFCC) and the International Association of Professional Debt Arbitrators (IAPDA). Your information is protected by encryption on its website, and its privacy policy specifies what data is collected and shared.

Also, ClearOne Advantage is a great choice for those seeking a trustworthy and respected company. Consumers are generally satisfied with their interactions with them, and they have an A+ rating with the Better Business Bureau.

Credit9: Is It Legit Or A Scam?

If you are seeking a personal loan or debt consolidation option, look at Credit9’s selection. Three websites provide advertisements for their services:


In addition, they are also known as Credit9 Lending.

ClearOne Advantage vs Credit9: Which One Is The Best Option? 4

Credit9 Summary

Credit9 has a one-star rating, so being critical of them is important.

Credit9 may have made you an attractive offer if you are in the market for a personal loan. Perhaps it appeared as follows: CONGRATULATIONS! YOU HAVE BEEN PRE-APPROVED FOR A LOAN OF $31,579 AT AN INTEREST RATE OF 5.99% (see a sample direct mail offer below). There was even a unique reservation code. I thought it was a good deal. Is there anyone who wouldn’t be happy to learn that they’ve been pre-approved for a loan with such a low-interest rate?

There is a possibility that this deal is not as advantageous as it appears. A closer examination of the loan conditions reveals a few possible concerns.

  • There will be an origination fee of 2.5% and a range of interest rates between 5.99% and 24.00%.
  • Brokers are likelier to broker less expensive loans or loans worth more than $35,000.

The small print on the Credit9 website raised some other concerns.

  • Loan amounts, lengths, and APRs may change depending on state legislation and credit evaluations. There are different minimum loan requirements in different states.
  • Unless otherwise mandated by state law, Credit9 offers installment loans with an APR of 24% or less. The interest rate on these loans is 18% or less in Wisconsin.
  • Your loan approval process and terms may vary based on your credit score and state regulations.

In most of the states where Credit9 holds lending licenses, its rates range from 18% to 24%.

Credit9: What Is It?

Credit9 is a lender that offers loans to consumers and companies. This business has an A+ rating with the Better Business Bureau and is a Delaware Limited Liability Company that is licensed to lend money. The business received 1,413 reviews and 36 complaints on September 5, 2022.

Credit9 is headquartered in Irvine, California. You can submit a loan request quickly and conveniently using, their online application platform. Associated with Americor and Fast Loans Funding, they use Credit9 Holdco Inc as an alias. You can reach them at (800) 291-0172 if you need more information.

How Does It Work?

Depending on your credit score and your state of residence, your Credit9 loan limitations, interest rate, and repayment period will vary. States often have different minimum loan amounts.

The following is an example from the Credit9 website: The loan’s $4300.00 balance has an annual percentage rate of 24.00%. With a monthly payment of $191.99, the total number of payments is 30.

If more paperwork is required from you, the approval process may take a little longer.

Credit9 Loan: How To Qualify?

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You must generally have good to exceptional credit to qualify for a Credit9 loan. Other requirements include a reliable source of income and work documentation.

If you meet these requirements, you will need to apply. The approval process could take longer if more documents are required. You can, however, receive a loan approval the next day if everything is in order.

Your loan approval and conditions may change depending on your credit score and state legislation. You should always contact your local Credit9 agent to discuss your options.

To be eligible, you must meet the following requirements:

  • A minimum age of 18 is required (19 in Alabama)
  • Maintain a regular income
  • Make sure you have an account with a bank or credit union
  • You must be a U.S. citizen or permanent resident alien with a valid Social Security number

Credit9 Reviews

With an A+ rating from the Better Business Bureau, the business has been accredited since 2018. However, 36 complaints have been received in the last three years. In the past year, eight of these businesses have been closed.

Here are some reviews:

Kareena H 09/05/2022

My rep explained things well. I was able to understand what the offer was. I peppered him with questions. It didn’t phase him. He answered them all. He stayed in touch with me throughout the whole process.

Darren B 09/03/2022

Thanks to ******** and Credit9 for helping me get out of debt. They did everything they said they would. Today I talked with *********************** to pay off my balance, and she was accommodating and friendly. Thanks *****! I would recommend them for sure.

Rebecca A 06/17/2022

****** was very helpful. The reason for the three stars is the effect it had on my credit score. I knew it would affect it some, just not 200 points!!

Pep J 06/10/2022

They are a classic bait-and-switch loan company. They tell you you are paying close to a 0% interest rate, and then you find out they are charging 20%. After settling with the credit card companies, they inform you that this is the way to go and is the worst decision you will make. You are stuck with even more debt, a never-ending cycle. I’m fighting this now with FCRA

Complaint Type: Problems with Product/Service 05/04/2022

They send out a letter by mail that you are prequalified for a debt counseling loan and all it is is a bit to try and get you to do a program that they are going to settle all your debt. They never intended to help you Consolidate they just want to set you up on a program to let you get behind on what you owe and they will settle. This is a False advertisement I never intend to help you get a lower rate and give you alone to help you get is it

Is This Company A Debt Settlement Company?

Credit9 does not settle debts. Loans for personal use and debt consolidation are available from them. Their clients don’t pay their debts.

It is called debt relief or debt adjustment when your debt is settled for less than what you currently owe, with the guarantee that you’ll pay the agreed amount in full.

Although numerous debt relief options are available, it can be difficult to select the most suitable one. Some people hire third-party firms, while others attempt to negotiate with their creditors on their own. Sometimes, debt settlements may hurt your finances because lenders don’t always accept them.

Unsecured Personal Loans: Possible Risks

ClearOne Advantage vs Credit9: Which One Is The Best Option? 6

There are several uses for open-ended loans, including paying off high-interest credit cards, supporting adoptions, or paying for other expenses. The dangers associated with these kinds of loans must be considered before signing any contracts. Among the most common risks associated with open-ended loans are:

1. The Interest Rate

Before taking out a personal loan, it is important to understand the interest rate you will be paying. In some cases, personal loans might have interest rates as low as 10% while in others, they might have rates as high as three or four times as high. Lenders can set any interest rate they wish as long as it complies with applicable laws, depending on your credit score.

2. Early-Payoff Penalties

If you wish to pay off your loan early, you might have to pay the penalty or charge. This depends on the type of personal loan you have. Some lenders are more accommodating regarding early repayment of loans than others. You must carefully read the small print and determine whether there will be any fines.

3. Expensive Fees Upfront

Before taking out a loan, you should know any upfront costs associated with receiving the funds into your account. Because these costs might differ significantly between lenders, comparing lenders is crucial to ensure you’re receiving a fair deal. There are many loan providers, so don’t feel obligated to select the first one you find.

4. Privacy Issues

As internet banking becomes more prevalent, many customers are concerned about the security of their personal information. Other lenders may not be subject to strict privacy regulations like banks and credit unions. Therefore, customers may have difficulty choosing who to trust with their personal information.

5. The Insurance Pitch

Several personal loans include a sales pitch for supplemental insurance to cover the debt in the event of incapacity or death. If you’re interested in disability insurance, contact a trusted agent. Typically, it is less expensive and offers greater coverage than the lender’s insurance.

Credit9: How Safe Is It?

Reviews of are mixed, with some describing it as a great firm and others describing it as a complete scam. How would you tell the actual narrative? What is the authenticity of

This organization claims to be reputable and to assist many people in obtaining the financial support they need to survive.

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