Terms of Service
Last updated October 2, 2026
Consumer Credit File Rights Under State and Federal Law
You have the right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any credit repair company has the right to have accurate, current, and verifiable information removed from your credit report. You have a right to obtain a copy of your credit report from a credit bureau.
You may cancel your contract with Clean Slate Solutions LLC for any reason within three (3) business days from the date you signed it, without any charge or penalty.
Our services
Clean Slate Solutions LLC (doing business as Monica Fixes Credit) helps consumers identify and dispute items on their credit reports that are inaccurate, outdated, or unverifiable. We are a credit repair organization as defined by the Credit Repair Organizations Act (CROA).
Written contract required
Before we perform any service for you, you will receive and sign a written contract that describes the services to be performed, our total cost, your payment terms, how long it will take to achieve the results, and any guarantee. No services begin and no fees are charged until that contract is signed.
No advance fees; no guarantees
We do not charge for services until they have been performed. We cannot and do not guarantee any specific increase in your credit score, and we will never promise to remove information that is accurate, current, and verifiable. Results not typical; individual results vary.
Your responsibilities
You agree to provide accurate information and to dispute only items you believe are inaccurate, outdated, or unverifiable. You have the right to dispute inaccurate information yourself, for free, directly with the credit bureaus and furnishers.
Your credit reports
Your free credit analysis goes over your current reports from Equifax, TransUnion, and Experian, so you need access to all three before your call. You can get them through IdentityIQ using the link on our site, or bring current reports you already have.
IdentityIQ is a credit monitoring membership run independently of Monica Fixes Credit. It is not a credit repair service and is not part of any contract with us. Its current offer is $1 for a 7-day trial, then $34.86 per month, billed by IdentityIQ and cancelled directly with IdentityIQ. What you enter on the IdentityIQ site goes to IdentityIQ, and its terms and privacy policy apply. Monica Fixes Credit may earn a referral fee when you enroll through our link, which does not change your price.
Text message (SMS) terms
Text messages from this site are sent by Clean Slate Solutions LLC. You receive them only if you tick the SMS consent box on one of our forms. Consent to receive text messages is not a condition of purchase or of any service we provide.
The messages are about what you asked us for: your free credit analysis, updates on your account and your disputes, scheduling and appointment reminders, and replies to questions you send us.
Message frequency varies. Message and data rates may apply.
Reply STOP to any message to opt out at any time. Reply HELP for help, or call us at (956) 414-0468.
How we handle the information you give us, including your mobile opt-in data, is described in our Privacy Policy.
Limitation of liability and governing law
To the fullest extent permitted by law, Clean Slate Solutions LLC is not liable for indirect or consequential damages. These terms are governed by the laws of the State of Texas. Questions? Contact us at (956) 414-0468.