I Clean Ugly Credit

I Clean Ugly Credit is raising prices for the first time in 9 years!!!! Effective March 1st prices will be a ONE-TIME fee of $189 for one person and $250 for a married couple. This is absolutely still the least amount you will pay to any credit repair company! Read our reviews: We help change lives!!

Schedule your credit consultation today! Low Credit Scores - Bankruptcy - Foreclosure - Divorce Other Life Event? We can help!

Some simple hints to Repair Bad Credit:
If you have poor credit, try doing the following to improve it:

*Pay outstanding credit card balances. Do what you can to dig yourself out of large amounts of debt and stay on top of your payments.
*Pay bills on time.
*Review your credit score. Know exactly what your score is and where you stand.
*Dispute negative marks or incorrect late-payment entries. Some of those mistakes could be negatively impacting your credit score.
*Increase credit card limits. If you’re maxing out your credit limit every month, that will damage your credit score. Call and ask your credit card company if they can increase your credit limit.
*Open another credit card account. But don’t use this card. Opening another account will help to increase your credit limit on your current cards.
*Don’t close old accounts. Even if you haven’t used a credit line in years, closing that account could impact your credit score negatively. If you need to close an account, close a newer one before you close an old one.
**Need more help? Schedule a consultation with I Clean Ugly Credit to come up with a written plan to improve and maximize your credit score. We can help!!

FIVE TIPS to Start Building (or re-building) YOUR credit....
1. Get a credit card. You can get a secured credit card or a traditional card. The difference between the two is that you will personally fund the secured card. Do NOT carry a balance. Pay it in full each month.
2. Do NOT borrow more than you can afford! If you know that you don't have the funds to payoff a huge loan, don't get it in the first place....and I'm talking about student loans, too!
3. Look into Credit Builder type Loans. Take out a loan specifically designed to help improve your credit score. When you take out the loan, the lender keeps the money in full until you have paid it off in full. Your regular, consistent payments to pay off the loan are watched and recorded by credit bureaus.
3. Don't Use all your credit....in other words do NOT max out your credit cards to their full limits. Only use up to 20 to 30% of your credit limit maximum.
4. Make all your payments on time and in full. This will not only help your credit score, but it will teach you good spending habits as well.
5. Set up a budget. Tell your money where to go each month and most definitely LIVE BELOW your means. Put money away each month so you will have an "emergency fund".
***Need credit help or assistance in setting up your budget??? Call Your Credit Mom, Debbie and set up a consultation!🤓🤓

Credit Counseling: How It Can Help You - NerdWallet Need help paying off debt, understanding your budget or building your credit? You may want to seek credit counseling. Nonprofit credit counseling agencies offer a variety of services, including general personal…

Need to rebuild your credit score? Having a good credit score is crucial for making large purchases such as a home, a car, or a high end appliance. Also, when seeking a new job - many employers are running a credit check.
A secured credit card offers a way for many individuals with poor (or no) credit to help build credit. Contact me for some suggestions of where to apply for a secured card and you can start rebuilding today! 😃

Here's a great article to let you know when it's time to see a credit counselor. Yes, when your credit score is low, but even when your score is higher - we might be able to point our some ways to maximize your score before you begin the process of purchasing a car or a new home.

5 Signs It’s Time to See a Credit Counselor Don't navigate the murky waters of debt alone. A credit counselor may be the guiding light you need.

Thinking of buying a home or a car soon? Let's schedule a credit consultation to Maximize your credit score. Remember that most interest rates are "risk based" and YOUR score matters!

A great big thank you to all of you who have liked my page - I Clean Ugly Credit.

There is a difference between FICO scores and FAKO scores.
FAKO refers to the non-FICO scores offered by various companies. FAKO scores have little value since few of them are used by lenders and they do not match closely to FICO scores. That being said, I do recommend using the "free" scores as a measuring tool to determine if your current actions are making your score go up or down.
Using this definition....Credit Karma would be referred as a FAKO score. For example: Many people go to their lender with a 720 score on Credit Karma and are disappointed when their FICO score comes in lower. Not all credit scores are created equally.

Credit payment history determines 35% of a FICO score. The first thing any lender wants to know is something about your credit history. Namely, whether your credit payments have been made on time. This is one of the most important factors in a FICO score. Some of the types of accounts considered for credit payment history are:
*Credit cards (Visa, MasterCard,Discover, etc.)
*Retail accounts (department store type cards)
*Installment loans (car loans for example)
*Finance company accounts
*Mortgage loans
*Bankruptcies
*lawsuits
*wage attachments*
A good track record on most of your credit accounts will increase your FICO scores.

People sometimes ask: "Why are my FICO scores different for the 3 Credit bureaus?" Keep in mind the following points when comparing credit scores:
*Not all credit scores are "FICO" scores-Credit Karma, for example, uses a "Vantage Scoring" system.
*All of your credit information may not be reported to ALL three bureaus.
*You may have applied for credit under a different name, which may have caused fragmented or incomplete files at the credit reporting agencies.
*Lenders/Creditors report credit information to the credit bureaus at different times. One Agency may have more up-to-date information than another.
*The credit bureaus may record, display or store the same information in different ways.
(above information quoted from myFICO.com)

Our credit score can be compared to our "adult report card". I want to remind you that everything a "Credit Repair" company does (and charges you hundreds of dollars), you can do yourself, but you need to know what to do and how to do it. That's where I come in! Let me guide you and direct you on how to improve YOUR credit score
without it costing you a fortune!

Thank you, Charles, for the testimonial!

2019....New Beginnings! What a great time to start budgeting and credit management! I am now offering free budgeting and credit workshops in your home. Just invite at least 5 people and host a "Manage your Money" home party. Call today to schedule! Days or evenings. (Kind of like the old Tupperware parties...only better! 480-619-1300

5 Smart ways to improve your financial health.

5 Smart Ways to Improve Your Financial Health Get your finances in shape quickly with these simple strategies.

Statistics show that more than half of Americans wrongfully believe that as long as they make their payments on time, high balances will help their credit score.
3 out of 4 Americans don’t know that closing old accounts they don’t use anymore can hurt their credit score.
2 out of 3 Americans don’t know their credit score can be held back by limiting themselves to just one credit account. Learn the facts about your credit. Schedule a consultation. $129 for an individual and $189 for a couple.

If you are shopping for a new car....buying a used one could be better choice. Why? Here's a couple of reasons:
*You won't pay for depreciation. Auto-trader magazine reports a new car depreciates between 20 and 30 percent when you drive it off the lot and that by the third year of ownership-it has lost an incredible 50% of its value!!
*Car insurance premiums are higher for new cars than used cars.
*You will be financing a lower loan amount than you would be by buying new. In turn, you would have lower monthly payments over the life of the loan.

I received this wonderful testimonial today......

We thank you for your excellent helpful advise on how to manage our credit account and how to improve our credit scores. Your "EXPERTISE" and sincere attitude of "I CARE" gave us that positive sense of control over our finances and eased up our worries. We will surely highly recommend your service to others. Again, THANK YOU and God Bless You!

Best Regards,
Jenn & Lewis

It’s no secret (anymore) that car insurance companies take your credit score into account when determining your premiums. What’s a little shocking to learn, though, is that you’re not just penalized for bad credit. Even if your credit is good, you’ll likely pay higher premiums. In fact, it takes excellent credit to get the best rates.
What to Do About It
First, check the Consumer Reports map to see how credit scores affect premiums in your state. Once you’ve clicked on your state, be sure to scroll all the way down to the bottom of the page for a list of the best insurance companies relative to your credit (e.g., excellent, good, or poor).

Second, keep working to improve your credit score.

I love receiving testimonials....It truly makes my heart sing. Check out this one from a couple who were so skeptical that they almost cancelled one hour before our appointment time:
Hi Debbie.
My name is Charlie # # #. You might not remember me but your advice about how to clean our credit was amazing. When we talked with you about 4 months ago, our credit was in the low 600. We followed your steps. We decided to try and purchase a used car. Credit Karma showed 640 and 670. When we went to sign papers they showed our scores 762 and 780. We were amazed. Thx for your advice, it was well worth the $189.

The question I have heard several times during the last month is: "Is it better for my score to carry a balance each month or should I pay my credit card balance in full?"
My answer is: pay your card in full each month. It is the credit card companies that taught us that it is better to carry a balance each month so that they are able to collect interest on the cards. In fact, people who pay their cards balance in full are considered "dead-beats" by the credit companies, because they don't pay any interest (on most cards). The one rule you want to remember with credit cards is to never allow your balance to be more than 30% of the your credit limit. Sincerely, Your Credit Mom

This is Financial Literacy Month:
GREAT NEWS....
Nearly 2 years since the Consumer Financial Protection Bureau (CFPB) first recommended finance education standards for K through 12th grades, the agency has launched a nationwide effort to realize this goal. Introducing “Advancing K-12 Financial Education: A Guide for Policymakers,” a 78-page publication geared toward helping states integrate finance education standards in their schools.

Credit Reporting Firms to Improve Practices
BY VIJAY YADLAPATI, CHARLES DAWSON, DANIEL BLAIR

On Monday, March 9, 2015, the 3 largest credit-reporting firms – Equifax, Experian, and TransUnion – reached an agreement with New York state to overhaul their reporting and error resolution practices. Many of these changes will be implemented on a national basis roughly over the next 3 years. Specifically, the firms will be required to use trained employees to review and resolve consumer disputes.

Another major change will be the removal of medical debts from credit reports once the debts are paid instead of the typical 7 years. Finally, the credit bureaus will be required to implement a 180-day waiting period before adding any medical debt information to consumers' credit reports. This grace period is intended to allow consumers to clear up any discrepancies and catch up with other unpaid bills.

Since 2010, NAR has called on industry participants to reassess and amend credit policies that have been unduly restricting consumer access to mortgage credit. From initial reports, the agreement appears consistent with the Consumer Financial Protection Bureau’s key concerns with the credit-reporting firm’s error resolution process and the rising role of medical debts in consumer reports.

Whoopee....I can now check a huge item off my bucket list...I received my Associates Degree in 2013 and received my Bachelors Degree in 2014 in Law Enforcement Management/Public Admin.
To those who ask what I plan to do with my degree....I answer: "I will be a more educated credit counselor with personal experience with both credit issues AND student loans" lol.
Helping people take control of their credit lives is my passion and I am committed to teaching intelligent credit management. Remember that credit help is only a phone call away....$129 per individual.

Received the following text from a client:
"Debbie, I want to thank you for all your help! You are a blessing to our family! We just received word that our home loan has funded and that we can move in today!!! THANKS to you, I increased my score over 100 points."
Let me just say...news like that makes my day...and the total charge to him for my services??? $129.

Thank you to Carrie Vidamo for posting this useful information!
During every consultation for improving credit, I talk about wants v. needs. If improving your credit is really a priority....it is important to "feel what the pleasure of having a good credit score will be" and truly make every spending decision based on that priority.

Thank you, to Christine Dubyts and Women Business Owners Magazine for featuring Debbie Oliver in your summer edition!!
http://www.womenbusinessownerstoday.com/

Digital knowledge and marketing platform for Women Business Owners. We help women business owners make money, save money, promote, write, connect, engage and ultimately prosper in their business.

I have to ask....How do you choose what credit repair company to refer your clients?? Recently a "Facebook friend" with 155 mutual friends asked for names of credit repair companies" and NOT one of my "friends" referred I Clean Ugly Credit. REALLY??? A former SEVRAR affiliate of the Year, a long time Blue Ribbon Affiliate of SEVRAR....and not one referral? Am I wasting my time and money supporting SEVRAR?