Licensing & Disclosures
Unsecured Personal Loan Statement
Personal Loan amounts vary from unsecured small loans to a maximum of $80,000, but not all lenders provide up to $80,000. Not all consumers will qualify for a Personal Loan, for them we have many other debt relief programs. We are not a lender, direct lender, hard money lender, or loan broker. We do not make loans or credit decisions of any type. At Clear One Advantage Credit, Inc. we do not guarantee that you will ultimately be approved for any type of loan and the APR/Interest rate will vary depending on lender’s terms.

Clear One Advantage Credit, Inc. is not an agent or broker, nor do we represent any lender and do not endorse or charge you for any loan or loan related product. Cash transfer times when loans are funded could vary between lenders and may depend on your individual financial institution or bank. This service and products by such lenders are not available in all states and is at the discretion of the lenders. For questions or concerns regarding your loan or for details, please contact your lender directly. For some loans and products, the loans are meant as a short term solution and for immediate cash needs and should be considered as such, short term not long term solutions. Lenders could require a credit report requiring information from the three credit bureaus: Equifax, Experian, and Transunion. Some lenders may require alternate consumer credit information reports through alternate sources. Your credit worthiness will be verified by the lenders which you are authorizing to independently verify by submitting your request. This service and products do not constitute an offer or solicitation for loan products which are prohibited by any state laws. These services, products, and offers are void where prohibited.

Credit Authorization and Certification
This offer is for an unsecured personal loan referred by Clear One Advantage Credit, Inc. All unsecured personal loans submitted through Clear One Advantage Credit, Inc. is done by a third party and are subject to provisions. (*See Terms & Conditions below) You are authorizing us to make inquiries and obtain information about you as we deem appropriate for the purpose of evaluating you for this extension of credit, including but not limited to: credit reports, income verification, and contacting your employer. You authorize us to make available identification information about you and our credit experience information with you to others in accordance with applicable law. Duplicate offers received as a result of multiple mailing to the same person are void along with multiple acceptances of this same offer. This offer is subject to the expiration date listed on the front page.

Terms & Conditions for This Offer
Clear One Advantage Credit, Inc. has pre-selected you because we screen and compile marketing information through publicly available data sources. At no time do these sources include date from credit scores or credit reports. The data used to pre select consumers for this mailing include numerous sources that contain, but are not limited to, adult age ranges, information on location, aged internet leads, home ownership, and other various factors. Clear One Advantage Credit, Inc. receives data updates that include; conversion rates, add response, and other tracking information to apply analytical techniques to create and re-create our mailing database. Clear One Advantage Credit, Inc. relies on devoted direct and interactive marketing teams trained in consumer privacy and data security. Our mailing list thus contains pre-selected consumers who are more likely to respond to this mailing. No data received or used is from credit issuers or credit reports. 
If you omit any information on the application form, the lender may deny you for extended credit.
We or the lender may request verification of income and employment from your employer(s). Commissioned and/or self-employed applicants may be asked for two years of income tax filings, child support, alimony, or separate maintenance income but may not be disclosed if you do not wish us to consider it as a basis for repayment.
If we receive your response to this offer after the expiration date, you will not receive this offer but will instead be referred to a lender for a loan through Clear One Advantage Credit, Inc. If you then chose to apply, a consumer report will be acquired to evaluate your application for credit.
Lenders we refer you to may be unable to extend credit to you even after you respond to this offer because the lender may determine that you no longer meet the criteria established prior to the offer being mailed. This offer can only be accepted by the person identified in this letter. Account approval is subject to re-verification of your credit history and acceptance by a third party lender.
If we receive your reply after the expiration date, or the name and address on this offer differ from the information you provide to us, we will treat your reply as an application for an account that was not pre-screened. If you choose to continue that application process, a consumer report will be acquired to evaluate your application for an extension of credit.
A consumer report will be acquired and reviewed to verify, among other things, your identity to protect your information. Upon request, you will be informed of the name and address of the credit reporting agency providing said report. Subsequent consumer reports may be requested and used in connection with an updated application, extension of new credit, or renewal application.

ClearOne Advantage, LLC ("COA" ), is a debt settlement company; not a credit repair or consumer credit counseling company.
COA doesn't provide investment, tax or legal advice. COA does not provide services or assistance repairing, modifying, improving, or correcting credit entries or credit reporting. COA does not assume or pay any debts, receive, hold or control funds belonging to consumers. COA's debt settlement program is not available in all states. Individual results vary and are dependent on factors such as successful completion of program, creditor cooperation, and ability to save funds. The use of debt settlement services will likely adversely affect your creditworthiness, may result in you being subject to collections or being sued by creditors or collectors and may increase the outstanding balances of your enrolled accounts due to the accrual of fees and interest. However, negotiated settlements we obtain on your behalf resolve the entire account, including all accrued fees and interest.
Read and understand all contract terms and program disclosures before enrolling. Not all clients successfully complete the debt settlement program. C.P.D. Reg. No. T.S. 12-03822.