The best way to determine which lender to choose is to do your research. Here is a comparison of ClearOne Advantage vs Credit9 to help you decide which one is right for you.

ClearOne Advantage Review: Debt Relief With A Payment You Can Afford

In addition to helping people reduce their monthly payments and get rid of unsecured debt, ClearOne Advantage is also a debt relief company. Having a proven track record of success, ClearOne Advantage has been able to assist many individuals in becoming debt-free. We will examine their services and customer testimonials in this ClearOne Advantage review. ClearOne Advantage provides a variety of services that can be tailored to each individual’s needs.


ClearOne Advantage Overview

Having difficulty paying off your debt? ClearOne Advantage may be able to assist. ClearOne Advantage has been assisting clients to resolve their enrolled debt since 2008 and has assisted thousands of people since then. There has been considerable interest and positive reviews regarding ClearOne Advantage in recent years. However, is this the right company for you?

The following is a selection of the more noteworthy findings of a detailed examination of their website and terms and conditions.

  • The company has a client satisfaction score of 9 out of 10 and an A+ rating from the Better Business Bureau.
  • Their services are free of charge until your enrolled debt has been reduced and savings have been realized.
  • You will receive a personalized monthly payment plan designed specifically for you to save you money.
  • In the course of 24 to 60 months, clients who are willing to adhere to the program and settle all their debt can expect to save approximately 50%.
  • Over $3 billion in debt has been resolved by the company for its clients.
  • Your account information can be accessed via a self-service client portal that is available 24 hours a day, 7 days a week.
  • This website provides budgeting tools, articles, and a comprehensive debt guide.
  • Member of the Consumer Debt Relief Initiative (CDRI)
  • One of the best reputations in the debt settlement industry.
  • Customer loyalty group with an award-winning reputation.
  • ClearOne Advantage does not accept real estate-backed secured debt.

ClearOne Advantage: What Is It?

They are a well-known debt relief company that has helped thousands of customers repay their credit card balances and other unsecured obligations since 2008.

There are no up-front costs involved. ClearOne Advantage will develop a debt reduction strategy tailored to your budget in collaboration with you. By working with your creditors, their debt counselors will assist you in reducing your final payment levels so that you can manage your debts more effectively.

Alternatively, you can contact the company via email at [email protected] or by telephone at 888-340-4697.

How Does This Company Work?

Despite the fact that finding debt relief may seem difficult, it is not impossible. The first step at ClearOne is to conduct a debt analysis and savings estimate. A Customer Loyalty Group Certified Debt Specialist will review your case and devise a budget-friendly repayment strategy with you. You may do this by phone or online, which usually does not take more than 20 minutes to complete.

Since no two circumstances are the same, your debt reduction analysis will outline what ClearOne can do for you and how much money you can save.

After You Sign Up, What Happens?

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

In the event that your fund balance increases, ClearOne Advantage will begin negotiating on your behalf with your creditors. As a result of this procedure, you may be able to return to your financial footing, enhance your financial situation, obtain approval for a debt consolidation loan, and avoid the need for further debt relief services in the future.

How To Qualify For ClearOne Advantage?

ClearOne Advantage vs Credit9 review

Some people may decide to file for bankruptcy or to utilize credit restoration services as a means of debt relief. Others may prefer to make regular payments to a debt settlement agency. A debt settlement program is an adaptable option that can be used in a variety of financial situations.

To participate in a debt settlement plan, you must set aside money for a lump-sum payment to settle your debt. It is generally recommended that you set aside 1.5% of your total debt each month. Therefore, someone with $30,000 in unsecured debt may be able to save $450 a month. This would allow the program to last approximately three years.

BBB Reviews

With an A+ rating from the Better Business Bureau since 2014, ClearOne Advantage is a business you can trust. They have received an average of 472 client evaluations with a few unfavorable ones.

The following are some reviews of ClearOne Advantage:

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!!

ClearOne Advantage FAQs

How Much Can You Save With It?

Using ClearOne Advantage can help you get your monthly payments back on track and save you an average of 50% on your obligations before fees. Your savings would depend on the amount of debt you have and the willingness of your creditors to negotiate.

How Much Does This Company Charge?

Whenever you work with ClearOne Advantage, a debt settlement company that specializes in debt settlement, there are no hidden fees. You only pay their fee once the settlement has been approved. In addition, they are only paid after you have made at least one payment toward the settlement. Since every situation is unique, their fees and costs vary as well.

How Does ClearOne Advantage Affect Your Credit?

Your credit report will reflect a black mark if you settle a credit card debt for less than what you owe. This can prevent you from borrowing money in the future, as lenders often use credit scores and past monthly payments to determine whether to lend to you.

How To Cancel ClearOne Advantage?

ClearOne Advantage vs Credit9

It is important to know your rights and options before signing any contracts with a debt settlement company. Debt settlement companies can quickly release you from a contract if you request it in writing.

Need some help getting back on track with your finances? Here’s some advice.

  • Making and sticking to a budget is a great way to stay on track.
  • You can also talk to a financial expert who can explain your options and help you come up with a strategy.
  • You don’t have to worry if you already have debt. Most businesses will work with you to come up with a payment schedule you can afford. Contact their customer service department to learn more.

ClearOne Advantage: Is It Legit?

ClearOne Advantage has earned accreditation from the International Association of Professional Debt Arbitrators (AFCC) (IAPDA) and the American Fair Credit Council (AFCC) (IAPDA) for outstanding debt negotiation services. It protects your information on its website with encryption, and its privacy policy details what they collect and share.

In addition, ClearOne Advantage is a great choice for people looking for a reliable and trustworthy business. They’ve got an A+ rating with the Better Business Bureau, and they’ve been recognized since 2014.

Credit9 Review: Is Legit Or A Scam?

Credit9 offers personal loans and debt consolidation options. They advertise on three websites:


They’re also called Credit9 Lending.

credit9 logo

Credit9 Summary

With Credit9’s one-star rating, it’s important to be critical.

You might have seen an offer from credit9 if you’re looking for a personal loan. You might have heard something like this:

 Congratulations! You’ve been approved for a loan of $31,579 with an interest rate of 5.99%. 

It looked like a good deal, even the reservation code. Who wouldn’t be happy to get pre-approved for a loan with such a low-interest rate?

Taking a closer look at the loan conditions shows that it may not be as good as it seems.

  • There’s an origination charge of 2.5%, and the APRs range from 5.99% to 24.00%.
  • It’s more likely to be brokered for cheap loans, or those worth more than $35,000.

The small print on Credit9’s website raised some other concerns.

  • Loan amounts, lengths, and APRs may change depending on state laws and a customer’s credit score.
  • APR on Credit9 installment loans is 24% or less unless otherwise mandated by state law. These loans are issued in Wisconsin at 18% or less.
  • You’ll have to go through a different approval process and terms depending on your credit score.

Almost all states where Credit9 holds lending licenses list rates ranging from 18% to 24% on its licensing website.

Credit9: What Is It?

Credit9, a lender, offers loans to consumers and companies. The business has an A+ rating with the BBB and is a Delaware Limited Liability Company licensed lender. On September 5, 2022, Credit9 received 1,413 customer reviews and 36 complaints.

You can apply for loans online at in Irvine, California. They use Credit9 Holdco Inc as an alias and are associated with Americor and Fast Loans Funding. If you want more info, give them a call at (800) 291-0172.

How Does This Company Work?

A Credit9 loan may be limited in terms of how much you can borrow, the interest rate, and the repayment period. Minimum loan amounts may vary from one state to another.

Here is an example from the website of Credit9: The loan’s $4300.00 balance has a 24.00% interest rate. There are 30 payments in total, with a $191.99 monthly payment.

It may take a little longer for the approval process if you are required to submit more documentation.

How To Qualify For A Credit9 Loan?

ClearOne Advantage vs Credit9 credit

It is generally necessary to have good to exceptional credit to qualify for a Credit9 loan, as well as a reliable source of income and documentation of your work history.

The next step is filling out an application. If more paperwork is needed, the approval process could take longer. However, if everything is in order, you can get approval the next day.

It’s always a good idea to ask your local Credit9 agent about your options based on your credit score and state law.

To qualify, you have to meet these requirements:

  • You have to be at least 18 (19 in Alabama)
  • Make money regularly
  • Make sure you have a checking or savings account
  • Have a valid Social Security number and be a U.S. citizen or permanent resident

Credit9 BBB Reviews

It’s been accredited since 2018 and has an A+ rating with the BBB. However, they’ve received 36 complaints in the last three years. Eight of them were resolved last year.

Here are some Credit9 BBB 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 It A Debt Settlement Company?

It is important to note that Credit9 does not settle debts. They provide personal loans and loans for debt consolidation. They do not pay clients’ debts on their behalf.

The process of resolving your debt for less than what you currently owe, with the guarantee that you will pay the full amount agreed to, is known as debt relief or debt adjustment.

The choice of the right debt relief option can be challenging, although numerous options exist. Some people employ third-party firms, while others attempt to negotiate with their creditors on their own. Some lenders may not accept debt settlements, and in some instances, they may actually adversely affect your finances.

Unsecured Personal Loans: Possible Risks

ClearOne Advantage vs Credit9 debt

Several applications for open-ended loans are available, including paying off high-interest credit cards, supporting adoption, or defraying other expenses. Before entering into any contracts, it is important to be aware of the risks associated with these kinds of loans. The following are some of the most common risks associated with open-ended loans.

1. The Interest Rate

Prior to taking out a personal loan, it is essential that you understand the interest rate you will be paying. Personal loans have interest rates ranging from 10% to three or four times higher. Your suggested interest rate will depend on your credit score, although lenders may set any interest rate they wish as long as it complies with applicable regulations.

2. Early-Payoff Penalties

If you wish to pay off your loan early, you may be required to pay a penalty or charge. Depending on what type of personal loan you have, this may differ. Some lenders are more flexible regarding early loan repayments than others. If fines are an important concern to you, read through the tiny print carefully to determine if there are any.

3. Expensive Fees Upfront

You should know any upfront costs when taking out a loan to receive the money into your account. It is important to compare lenders to make sure you are receiving a fair deal. The costs may differ greatly across lenders. There are many loan providers to choose from, so do not feel obligated to choose the first one you qualify for.

4. Privacy Issues

Increasingly, customers are concerned about protecting their personal information. Other lenders may not be subject to the same strict privacy rules as banks and credit unions. As a result, customers may be unable to determine who they should trust with their personal information.

5. The Insurance Pitch

In some cases, personal loans include a sales pitch for supplemental insurance to cover the debt in case of incapacity or death. Obtain a general disability insurance quote from a trusted agent if you require this insurance. It is generally less costly and more comprehensive than the lender’s insurance.

Credit9: How Safe Is It?

There are mixed reviews regarding, with some referring to it as a great company while others call it a total rip-off. In the end, what is the truth about Can it be trusted or not?

This organization claims to be well known and to provide support to a wide range of individuals who are in need of financial assistance.

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