Your Journey to Financial Freedom Starts Here!
At Clover Credit Solutions, we empower individuals to take control of their financial future. Our expert team specializes in credit restoration, education, and strategy, helping you overcome financial hurdles and achieve your goals. Whether you’re looking to improve your credit score, secure a loan, or simply gain financial peace of mind, we’re here to guide you every step of the way. Request your free credit analysis and game plan below!
RECEIVE GAME PLAN
SAME DAY!
FEES AS LOW AS
$89 A MONTH
Our Vision
To empower individuals and families to achieve financial freedom and stability through tailored credit restoration.
Our Mission
To rebuild credit, restore confidence and renew hope.
Our Goal
To guide clients in improving their credit scores and financial health with integrity, transparency, and excellence.
Our Values
Integrity, empowerment, excellence, personalization, support, and innovation guide us in all our credit restoration efforts.
Clover Credit Solutions Services
Unlock your financial potential with Clover Credit Solutions. Our team of experts is committed to guiding you through credit restoration and building strategies with clarity and care, helping you achieve your goals and secure a brighter financial future.
Credit Restoration
We provide personalized credit education, strategies, and guides to help you build a successful financial plan.
Identity Theft Recovery
We offer expert guidance and tools to help you confidently navigate the credit dispute process.
Credit Building
Explore the possibilities and build a stronger financial future with proven credit-building acconts.
Credit Restoration in 4 Easy Steps:
Step 01
Enroll in Our Credit Repair Program with $0 Down
Start by completing your free enrollment and signing a secure authorization agreement. This allows our team to review your credit report, communicate with you through our secure app, and begin creating a personalized plan—with no upfront cost and no obligation to continue.
Step 02
Set Up Your Credit Monitoring
We’ll send you the link to create your credit monitoring account. This lets us access your full credit report securely and see what’s affecting your scores.
Step 03
Get Your Free Credit Analysis & Game Plan
Our credit experts will carefully review your report and build a personalized game plan to help you reach your goals, whether it’s buying a home, getting approved for financing, or just gaining peace of mind.
Step 04
Approve Your Game Plan & Choose Your Monthly Plan to Begin
Once you’ve reviewed your custom credit plan, you’ll select the monthly coaching option that works best for you. Your initial set up fee is only collected after you approve the plan and are ready to move forward with our services.
Disclaimer: In compliance with the Telemarketing Sales Rule (TSR) and the Credit Repair Organizations Act (CROA), we cannot discuss credit repair services by phone unless you are an active client with a signed agreement. You will not be charged anything until we’ve reviewed your credit report, provided your personalized game plan, and you’ve chosen to move forward.
Download The Clover Client App
Track your credit journey with ease. Whether you’re an active client or just exploring your options, our app gives you a secure way to connect with our team, monitor your progress, and stay informed every step of the way.
Download the Clover Credit App from the Apple App Store or the Google Play Store.
Frequently Asked Questions
What is the credit repair process?
Credit repair is the process of reviewing your credit report for inaccurate, outdated, or unverifiable negative items. If creditors or credit bureaus cannot validate the information, those items must be removed in accordance with federal law. Learn more about credit repair.
How long does credit repair take?
Unfortunately, there’s no way to predict exactly how long credit repair will take, since every credit report and situation is different. That said, many of our clients begin seeing progress within the first couple of months and typically work with us for around six months to achieve their goals.
Our credit coaching services are customized based on your needs, and we focus on both removing questionable negative items and helping you build strong, positive credit habits. Learn how to estimate your credit restoration process.
How much do our services cost?
You can get started with $0 down to receive a custom credit game plan tailored to your goals. After reviewing your plan, you’ll have the option to move forward with one of our monthly credit coaching plans, starting at just $79/month.
If you’d prefer to handle the dispute process on your own, we also offer a free Do-It-Yourself Credit Repair Kit—a helpful resource designed to guide you through the steps of improving your credit independently. Get Started Today!
Is There a Money-Back Guarantee?
Yes! We stand by our work with a 100% Money-Back Guarantee.
If we don’t achieve any results on the items we’ve challenged on your credit report, you may qualify for a full refund—no questions asked. To be eligible, the following conditions must be met:
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You’ve remained enrolled in our program for at least 180 consecutive days with no billing interruptions.
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You had at least three negative items on your credit report at the time of enrollment.
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You have not worked with another credit repair company or attempted credit repair yourself in the past 12 months.
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No new collections or late payments were added after you enrolled in services.
Our goal is to deliver real, measurable results—and your satisfaction matters to us.
How long have you been in business?
Clover Credit Solutions was officially established in 2020, but our expertise goes back much further. Our founder and CEO, Miraily Reyes, has been working in the credit industry since 2011, bringing over a decade of hands-on experience in credit repair, education, and coaching. You’re in trusted, knowledgeable hands.
Average Credit Score by State
The average credit score by state ranges from 670 in Mississippi all the way to 725 in Minnesota. And both states are fairly representative of their broader regions, as you can see below.
| State | Average Credit Score |
|---|---|
| Alabama | 678 |
| Alaska | 706 |
| Arizona | 697 |
| Arkansas | 681 |
| California | 705 |
| Colorado | 713 |
| Connecticut | 711 |
| Delaware | 700 |
| District Of Columbia | 697 |
| Florida | 693 |
| Georgia | 681 |
| Hawaii | 715 |
| Idaho | 715 |
| Illinois | 705 |
| Indiana | 697 |
| Iowa | 714 |
| Kansas | 706 |
| Kentucky | 687 |
| Louisiana | 675 |
| Maine | 713 |
| Maryland | 700 |
| Massachusetts | 717 |
| Michigan | 703 |
| Minnesota | 725 |
| Mississippi | 670 |
| Missouri | 698 |
| Montana | 716 |
| Nebraska | 713 |
| Nevada | 687 |
| New Hampshire | 722 |
| New Jersey | 709 |
| New Mexico | 689 |
| New York | 705 |
| North Carolina | 695 |
| North Dakota | 717 |
| Ohio | 699 |
| Oklahoma | 681 |
| Oregon | 714 |
| Pennsylvania | 707 |
| Rhode Island | 707 |
| South Carolina | 687 |
| South Dakota | 717 |
| Tennessee | 691 |
| Texas | 678 |
| Utah | 712 |
| Vermont | 722 |
| Virginia | 707 |
| Washington | 718 |
| West Virginia | 687 |
| Wisconsin | 720 |
| Wyoming | 709 |
(Source: Transunion)
Average Credit Score by Region
| Region | Average Credit Score |
|---|---|
| Northeast | 712 |
| Southeast | 689 |
| Southwest | 684 |
| Midwest | 710 |
| West | 711 |
Ready to Move Forward? Enroll in Our Credit Repair Program with $0 Down. Here’s what to expect:
Once you enroll, you’ll complete a secure authorization form so our team can review your credit report and begin crafting your custom game plan. There’s no cost to get started, and no payments are collected until you’ve reviewed your plan and chosen to move forward.
You’ll also get access to our secure app, where you can chat directly with our team, track your progress, and stay informed every step of the way.
Whether you’re rebuilding from past challenges or preparing for a major purchase, we’re here to guide you—confidently and transparently.