Get To Know Your Credit Repair Experts

Get To Know Your Credit Repair Experts

Here at Go Clean Credit, we really get to know you so we can help in the best way possible, and we want you to know us just as well. Here’s a little about our family of credit repair experts who can’t wait to help you improve your credit score!

Get To Know Your Credit Repair Experts

Dawn McCrawDawn, Co-Owner

Dawn is a co-owner of Go Clean Credit and  deeply passionate about consumer credit rights. She is an expert in credit reports and scores and establishing credit history as well as the Fair Credit Reporting Act, Fair Debt Collection Practices Act, and other credit and collection laws. Dawn is a certified expert witness for credit litigation, FCRA Certified, and FICO Pro Certified. She is also currently in law school pursuing her Juris Doctorate.

Michael McCrawMichael, Co-Owner

Michael is the other co-owner of Go Clean Credit. He has a Bachelor of Science in Computer Engineering from the University of Illinois and an MBA in Finance and Marketing from the University of Southern California. Along with Dawn, he worked almost 20 years in the high-tech industry  before finding a home here.

Rob_headshotRob, Vice President of Sales

“Every day you help inspire me to help our clients and to do whats best for them. You are a great leader at
Go Clean Credit and the impact you have on our clients lives is tremendously substantial. I am so thankful for inviting me on the team. It amazes me how much our clients and affiliates talk so highly of you. Thank you for caring about our clients and showing me how I can truly help change peoples lives!” -Mandy

susanSusan, Director of Customer Service

“If you love what you do, then you’ll never have to work a day in your life”.. and I’ve spent the past 8 years doing this. The best thing about my job is I get to help people on a daily basis. It’s a satisfaction knowing that we help people get into their homes, clean their credit, get a car,and help them reach their goals. Despite the fact that it’s been 8 years I still learn something new everyday. I can’t imagine myself doing anything else. I’ve grown to not only love the company but also love the people I work with. It’s pretty much my second family/home. Life is about finding something that you’re passionate and happy about doing, and spending your entire life going on that journey.

Marie headshot websiteMarie, Customer Service

Nothing is better than being able to help people achieve their goals. I love that I get to do this daily at my job. I believe that everyone deserves a second chance, its never too late to improve where you are now.

justin headshotJustin, Sr. Credit Specialist

“We here at Go Clean Credit are very pleased to have Justin as part of our family. Justin is a very hard worker who always has been about making a difference in everything that he does. He has really adapted to our culture and core vales that Go Clean Credit represents. So if you are a loan officer, realtor, builder or have clients who require a certain credit score for your products or services, Justin is your guy.

Justin, thank you for everything you do!!” -Rob

Yobanna headshot websiteYobanna, Credit Specialist

I have over 18 years experience in banking services with extensive knowledge in credit. Extremely passionate about helping people “succeed financially.” I give my all and work above and beyond to help find the best solution to your particular situation. Go Clean gives people who have had past credit challenges the opportunity for a second chance. Credit does not fix itself and negative credit will not go away on its own. Give me the opportunity to help you come up with a “unique game plan” to help you! “Because Everyone Deserves a Second Chance”

mandy HSMandy, Credit Consultant

With 18 years of sales experience and almost 10 of those being in banking and finance positions I have a great knowledge of credit. Joining Go Clean Credit as a Sr. Credit consultant now just gives me the ability to help others get their lives back! I take pride in helping people change their lives by changing their credit.

I am not only your Credit consultant here. I am your credit advocate for life! I provide a free in depth consultation for all of my clients to see if they are a right fit for our program. I give you the tools you need to not only get your credit better now, but continue with the correct practices to improve your credit month over month once you complete our program. I help give you the freedom you deserve back.

To enlist the help of trustworthy, effective credit repair experts, call us today at 1-866-991-4885!


No matter what your situation, Go Clean Credit has a solution. We have many credit repair programs that are available to help you overcome your credit situation and place you back on the path to financial success. Real credit restoration is not a once size fits all model and we tailor your needs to the right program, but most people can start for just $99 per month.

We have fixed price programs that get you back on track in as little as 5 months, debt resolution solutions, programs geared toward people who have had recent short sales or foreclosures and many others. Help is just a free phone call away, or you can fill out an appointment request. Contact Go Clean Credit to schedule a free consultation today.

Tricks To Paying Off Credit Cards With High Interest Rates

Tricks To Paying Off Credit Cards With High Interest Rates

Paying off credit cards with high interest rates can be extremely difficult. The finance charges essentially take over your minimum payment each month so you barely get anything paid off. That’s at least what it feels like. Although they don’t all involve paying off your highest debt first, here are some tricks to paying off credit cards with high interest rates that you can try.

Tricks To Paying Off Credit Cards With High Interest Rates

Ask for a lower interest rate

Creditors are sometimes willing to give you a lower interest rate if you’re a good cardholder. If you’ve made all of your payments on time or only had one or two late payments, then it’s likely they’ll give you a break. Also, if you have offers for lower interest rates from other credit cards, you can use that to bargain with your creditor.

Transfer the balance to a lower interest rate card

Having it at a lower interest rate might just be what you need to get the debt paid off. And if you have great credit, you could qualify for a good balance transfer interest rate. Don’t only look at balance transfer credit cards, though. Consider rewards credit cards too, because they have some of the best balance transfer rates. If you don’t have enough available credit to move the entire balance to another card, don’t worry, even moving just part of the debt will help a lot.

Tackle smaller debts first

Maybe paying your bigger debt first isn’t the right plan for you. If you instead pay off smaller debts first, that would free up money that you could put toward your larger debt. Start by making a list of your debts, and as you pay them off, take those payments and put them toward the next one on your list.

Pay as much as you can

When interest is high, a lot of your payment is going to that, so you have to try to pay a little more each month to actually make a dent in the amount that you owe. One tactic to consider here is paying the minimum on all the lower interest rate debts and putting all your extra money into your higher interest rate debt. Then, once you’ve paid off that debt, you move on to the debt with the next highest interest rate and continue until you have paid off all your debts.

Cut expenses

Is there anywhere in your day-to-day life you can cut back? Maybe you can eat out less, stop for coffee only two mornings a week, or cut back on the tv channels you’re paying for. Cutting out expenditures that you don’t absolutely need could get you some extra cash to pay off that huge debt that’s hanging over your head. Then, once you’ve paid it off, if it’s in your budget, perhaps you can add everything back in.

Wait a few months

Sometimes it just has to be this way. If you absolutely cannot find any extra cash to put toward your goals of getting rid of your debt, then hold off until you have some. Continue to make the minimum payments on all of your credit cards and pay a little more when you can.

Do you have any questions about paying off credit cards with high interest rates? Let us know! To enlist the help of a trustworthy, effective credit repair company, call us today at 1-866-991-4885!


No matter what your situation, Go Clean Credit has a solution. We have many credit repair programs that are available to help you overcome your credit situation and place you back on the path to financial success. Real credit restoration is not a once size fits all model and we tailor your needs to the right program, but most people can start for just $99 per month.

We have fixed price programs that get you back on track in as little as 5 months, debt resolution solutions, programs geared toward people who have had recent short sales or foreclosures and many others. Help is just a free phone call away, or you can fill out an appointment request. Contact Go Clean Credit to schedule a free consultation today.

Here’s How Lenders Determine Your Interest Rate

Heres How Lenders Determine Your Interest Rate

Loans are a huge help when it comes to making big payments. And it’s no surprise at this point that they are accompanied by interest. Interest rates are always changing from loan to loan, though. Why is that? It all comes down to different factors that lenders look at, so here’s how lenders determine your interest rate.

How Lenders Determine Your Interest Rate

Credit Score

First and foremost, your credit score and credit history will have the biggest impact on your interest rate. Your history shows how well you’ve paid your bills in the past. If lenders see that you haven’t done the greatest job of making your payments on time, they’re going to set it up so they’re safe. The higher your credit score, the lower your interest rate. The lower your score, the higher your interest rate.

Debt-to-Income Ratio

Debt-to-Income Ratio is a measure of your ability to pay back a lender. If you have a lot of money sitting in outstanding debt, then you don’t look very reliable as a borrower, which results in less attractive terms for you. The more income you have available in comparison to the debt, however, the more confident lenders will be that you will pay them back.

Amount Borrowed and Down Payment

Lenders also determine interest rates based on how much money they have to lend you. If you’re able to pay a large portion up front, that says to the lender that you will be able to pay back the loan with no problem. On the other hand, if you borrow a large amount of money, and don’t pay much up front, that’s a pretty big risk for the lenders. This will cause them to increase your interest rate to balance their exposure.

Length of Term

The shorter the term of the loan, the quicker the lender will get their money back. This will usually result in friendlier terms. While your shorter term may result in lower interest rates, your payments will likely be much higher. If you are hoping for a little more room to breathe with your payments, be prepared for higher interest rates. The lender won’t be getting their money back particularly fast, so they need to make sure they get their money back.

Age of Vehicle (Auto Loan)

If you’re going for an auto loan, the age of the vehicle will play a role in what your interest rate is. You will typically see higher interest rates for older cars than for newer cars. That’s not what you expected, right? You would think the newer cars would have the higher interest rates because they’re new and tend to be more expensive. Actually, that’s precisely why they have the lower rates. Older cars have already depreciated quite a bit, so it’s safer for the lender to increase the interest rate in case of unforeseen circumstances.

Purpose of Property (Mortgage Loan)

Lenders also take into consideration the type of property you want the home to be. If you plan to have it as a second home or rent it out to other people, your interest rate will be higher. Otherwise, if you plan to occupy the home yourself, your interest rate will likely stay low granted all other factors are satisfactory to the lender.

Do you have any questions regarding how lenders determine your interest rate? Let us know! We’re here to help. Give us a call today at 1-866-991-4885!


No matter what your situation, Go Clean Credit has a solution. We have many credit repair programs that are available to help you overcome your credit situation and place you back on the path to financial success. Real credit restoration is not a once size fits all model and we tailor your needs to the right program, but most people can start for just $99 per month.

We have fixed price programs that get you back on track in as little as 5 months, debt resolution solutions, programs geared toward people who have had recent short sales or foreclosures and many others. Help is just a free phone call away, or you can fill out an appointment request. Contact Go Clean Credit to schedule a free consultation today.

Loan vs Lease: 9 Things to Consider Before Financing

Loan vs Lease

If you’re considering getting a car or other equipment, it’s important to know your options when it comes to financing. Thankfully, you don’t have to buy it outright. You can choose to either get a loan to pay for it, or pay for the item on lease. Here are the differences between a loan vs lease and what you should consider before financing.

Loan vs Lease:

First, let’s establish, what is the difference between a loan and a lease? A loan is when you borrow money from a financial institution to pay for something – for example, a car. You then proceed to pay back that loan to the lender over a set period of time. Once you have completely paid off the loan, you own the car. With a lease, on the other hand, you never own anything. You still make payments over a set period of time, but once that time comes to an end, you give the car back and you start the process over again.

9 Things to Consider Before Financing

Rates

Loan: With a loan, rates are usually floating. This means that as the index fluctuates so does your monthly payment. This can really help you during periods of falling interest rates, but it can also really hurt you when interest rates rise.

Lease: Unless your lease has special arrangements, payments will generally be fixed for the entire term. This can be a plus, as it can be much easier to budget and manage your cash flow.

Amount Financed

Loan: Banks usually only lend a portion of the equipment or vehicle cost. The amount they lend is about 60%-80%. It does not include the costs of shipping, training, installation, or any other soft expenses.

Lease: You can get up to 100%, which includes soft costs and sales tax. Any out-of-pocket costs are usually limited to the first month’s investment or a small security deposit.

Available Terms

Loans: Banks are typically less flexible than leasing companies. This isn’t a bad thing if you’re looking for a standard term. If you need some flexibility, though, it’s not so great.

Lease: In most cases, you will choose the terms, purchase option, and the down payment of your lease. Custom terms can usually be arranged.

Ease of Application

Loans: Most banks won’t begin to review your credit until you have submitted a complete financial package. This is regardless of the amount you are requesting to borrow.

Lease: Most places have a simple application process and don’t require extensive information before they approve the lease.

Extra Costs

Loan: Banks use fees to boost their rates of return on loans. These fees include application fees, origination fees, commitment fees, schedule fees, funding fees, and fees associated with approving and executing the loan application.

Lease: In most small-ticket leases, which are anything up to $75,000, there are no origination, commitment or application fees. Documentation fees depend on the transaction size, and can range from $195 to $295.

Equipment Types

Loan: If the bank does not understand or feels the equipment has limited collateral value, they will not finance it.

Lease: You will find that you’re able to get a lease on most equipment.

Speed

Loan: Banks are slow to make a decision on credit. It can take weeks for them to prepare your request and put it in front of the credit board.

Lease: Decisions on leases are typically quick and can be made within a day.

Collateral

Loan: Banks will usually secure their loans by requiring extra collateral such as real estate, equipment, inventory, receivables, or your house.

Lease: In most cases, the only collateral is the equipment or vehicle being leased.

Restrictive Covenants

Loan: Bank loans often require the borrower to maintain minimum financial ratios, otherwise they will call the loan. The borrower must also report on a regular basis so the bank can ensure they are maintaining the ratio. If the bank does call the loan, they have the power to limit future borrowing from them and any other financial institution.

Lease: There are usually no such restrictive covenants.

Do you have any other questions about the difference between a loan vs lease and what to keep in mind when financing? Let us know! Give us a call today at 1-866-991-4885.


No matter what your situation, Go Clean Credit has a solution. We have many credit repair programs that are available to help you overcome your credit situation and place you back on the path to financial success. Real credit restoration is not a once size fits all model and we tailor your needs to the right program, but most people can start for just $99 per month.

We have fixed price programs that get you back on track in as little as 5 months, debt resolution solutions, programs geared toward people who have had recent short sales or foreclosures and many others. Help is just a free phone call away, or you can fill out an appointment request. Contact Go Clean Credit to schedule a free consultation today.

Top 5 Credit Repair Books To Read When You Have Bad Credit

Top 5 Credit Repair Books To Read When You Have Bad Credit

For those who still enjoy a good book, and also have bad credit, there is hope. Plenty of experts have put their pens to the page to help people improve their scores. If you’re hoping for a lot of details and not quite finding all the information you’re looking for online, check out our top picks for credit repair books.

Top 5 Credit Repair Books To Read When You Have Bad Credit

*The following are the synopses found on the backs of the books.

1. Raise Your Credit Score In 10 Easy Steps! (Create Your Money Series)

by Angel Love

“…Angel Love has helped thousands of people all over the country learn real strategies to raise their credit scores. This book is for anyone who wants to understand all aspects of the credit score, from the differences between the various scoring models, to how they’re calculated. Save hundreds, if not thousands of dollars on the cost of credit by implementing these practical solutions to managing your personal finances today!

  • Learn why you have a different credit score at each of the 3 major credit reporting agencies!
  • Find out the one thing that prevents a high score (780) from being an 800!
  • Discover what consistently drops your score by 12-20 points each time you do it!
  • Figure out how to rebuild credit after a bankruptcy, or establish credit when you’ve never had it before!
  • Discover little-known information on accessing your report from the 4th credit bureau, as well as the other agency that collects widely reported information about you!
  • Learn where to find the money to pay off your credit card bills!

This book offers complete and concise information on raising your score, and avoiding the things that decrease your score. Learn to think like the credit scoring models and qualify for the most competitive interest rates on houses, cars, and insurance policies! Get this book today and be a part of that elite club with 800+ credit scores, and enjoy greater financial freedom!”

2. How to Get Out of Debt, Stay Out of Debt, and Live Prosperously*: Based on the Proven Principles and Techniques of Debtors Anonymous

by Jerrold Mundis

“THE CLASSIC GUIDE, REVISED WITH UP-TO-THE-MINUTE INFORMATION

OUT OF THE RED

  • Do this month’s bills pile up before you’ve paid last month’s?
  • Do you regularly receive past-due notices?
  • Do you get letters threatening legal action if immediate payment is not made?
  • Do the total amounts of your revolving charge accounts keep rising?

INTO THE BLACK

Whether you are currently in debt or fear you’re falling into debt, you are not alone. Sixty million Americans—from doctors to secretaries, from executives to the unemployed—face the same problem and live under the same daily stress. Based on the proven techniques of the national Debtors Anonymous program, here is the first complete, step-by-step guide to getting out of debt once and for all. You’ll learn

  • how to recognize the warning signs of serious debt
  • how to negotiate with angry creditors, collection agencies, and the IRS
  • how to design a realistic and painless payback schedule
  • how to identify your spending blind spots
  • how to cope with the anxiety and daily pressures of owing money
  • plus the three cardinal rules for staying out of debt forever, and much more!

This book is neither sponsored nor endorsed by Debtors Anonymous. A recovered debtor, the author is intimately familiar with the success of the Debtors Anonymous program.”

3. The Spender’s Guide to Debt-Free Living

by Anna Newell Jones

“An inveterate spender, Anna Newell Jones was desperate to end the cycle of overspending, debt, and shame. On a whim, Anna decided to go on a Spending Fast – an idea she’d heard in passing but knew little about. Creating her own method to pay down her debt, she learned what worked and what didn’t and wrote about it on her blog, AnThenWeSaved.com. Amazingly, Anna was able to eliminate all $23, 605.10 of her debt in a mere fifteen months – while making only $33,000 a year! Anna’s journey has inspired people and shown them that they too can change the way they deal with their own money woes. The Spender’s Guide To Debt-Free Living takes readers through a detailed step-by-step plan for their own Spending Fast, including:

  • Creating a personalized Debt-Free Life Pledge.
  • Mastering Needs-Only spending
  • Finding additional income sources and generating side gigs.
  • Learning techniques to handle difficult categories such as clothes, groceries, and social situations.
  • Dealing with slip-ups and recommitting to debt reduction.
  • Re-integrating spending into your life once you’re out of debt, so that you stay out of debt.

Filled with do-it-yourself ideas, insight from experts, and tons of motivational tips and real-life practical advice, The Spender’s Guide to Debt-Free Living proves that you don’t have to win the lottery or get a new job to change your life.”

4. 33 Ways To Raise Your Credit Score: Proven Strategies To Improve Your Credit and Get Out of Debt

by Tom Corson-Knowles

I Believe Anyone Can Dramatically Raise Their Credit Score Using These Proven Credit Strategies

You could raise your credit score by 25 points or more overnight with just one of these credit tips.
In this book, you will discover:

  • Easy To Understand Action Steps Show You The Keys To A Better Credit Score
  • How To Instantly Improve Your Credit Score By 20 To 30 Points
  • How To Make Credit Repair Easy, Quick and Painless
  • How To Get a Free Credit Score Without Any Hassle or Hidden Fees
  • How To Get A Huge Discount On Your Mortgage Rates
  • How To Save As Much As $500 On Your Cell Phone Plan
  • Have The Ideal Number of Credit Cards To Maximize Your Credit Score
  • How To Get Better Rates On Car Insurance And Auto Loans”

5. Credit Repair Kit For Dummies

by Steve Bucci

Jump-start your credit score with this comprehensive credit repair guide

If you need to clean up your credit, this updated resource is full of information to help you get your credit reports looking great, pay down debt, and keep your credit clean. You’ll find out how to deal with debt collectors, dispute inaccurate information in your credit reports, and set financial goals to stay on track.

  • Simple, proven steps – get an overview of working with debt collectors, filing for bankruptcy, and more
  • Rebuilding credit – explore options for starting or restarting credit, recovering from bankruptcy or identity theft, and much more
  • Big brother – find out how credit reporting works, how your spending is watched, and how to monitor your credit for optimal results
  • Credit management for life – discover how to create a realistic spending plan and protect your credit during major life changes
  • FICO facts – dive into the latest information on FICO and VantageScore credit scoring
  • Student loans 101 – find out how to best deal with student loans and avoid defaulting
  • Mortgage meltdown – get updated information on how to keep your home when foreclosure looms”

Have you read any of these credit repair books? Do you have another one that helped you with your credit score? Let us know! If you have any credit questions, call us today at 1-866-991-4885.


No matter what your situation, Go Clean Credit has a solution. We have many credit repair programs that are available to help you overcome your credit situation and place you back on the path to financial success. Real credit restoration is not a once size fits all model and we tailor your needs to the right program, but most people can start for just $99 per month.

We have fixed price programs that get you back on track in as little as 5 months, debt resolution solutions, programs geared toward people who have had recent short sales or foreclosures and many others. Help is just a free phone call away, or you can fill out an appointment request. Contact Go Clean Credit to schedule a free consultation today.

Debt Settlement vs Debt Consolidation: What’s The Difference?

Debt SettlementvsDebt Consolidation

It is never good to have debt. It hurts your credit and makes the monetary aspects of life harder. Thankfully, there are ways to help you make your way toward being debt-free. In this post, we will discuss the difference between debt settlement vs debt consolidation to help you figure out which one will work best for you.

Debt Settlement vs Debt Consolidation

Debt settlement and debt consolidation are both strategies for relieving debt, but both are carried out in a different way. Essentially, debt settlement helps you reduce the amount of money you owe, while debt consolidation reduces the number of lenders you owe.

Debt Settlement

A debt settlement is a series of negotiations between your creditors and you or a credit counselor. With a settlement, you agree to make payments that are for amounts less than what you currently owe.

Just know, however, that creditors do not have to accept your offer. They will accept it if they believe that it’s the best chance they have at getting the loan paid back. Advanced debt collection techniques and accounts receivable processes can be expensive, as the process is not usually completed after one round of communication. Stretching the debt settlement process out is actually a common strategy used to force a creditor’s hand.

Once you have settled your debt, it is gone. This means you risk having any unsecured debts such as your credit cards closed completely after the settlement is complete because lenders don’t want to continue granting you credit.

Debt Consolidation

Unlike a debt settlement, a debt consolidation doesn’t try to lessen the amount you owe. Instead, you combine all your debts into one monthly payment with one interest rate. Banks or credit unions usually offer consolidation loans. Your payments will now be made to the new lender.

Sometimes, a consolidation loan can result in a lower monthly payment or a lower interest rate on your debt. Consider the long-term costs of consolidation loans as extended repayment terms can counteract the lower payments and interest rates.

Consolidation loans are usually secured with one of your assets, such as your home, car, retirement account or insurance policy. You should only accept a secured consolidation loan if you’re comfortable with putting up decent collateral.

Both strategies can significantly impact your score. Make sure you understand each action thoroughly before making your decision.

Still curious about debt settlement vs debt consolidation? Give us a call today at 1-866-991-4885.


No matter what your situation, Go Clean Credit has a solution. We have many credit repair programs that are available to help you overcome your credit situation and place you back on the path to financial success. Real credit restoration is not a once size fits all model and we tailor your needs to the right program, but most people can start for just $99 per month.

We have fixed price programs that get you back on track in as little as 5 months, debt resolution solutions, programs geared toward people who have had recent short sales or foreclosures and many others. Help is just a free phone call away, or you can fill out an appointment request. Contact Go Clean Credit to schedule a free consultation today.

6 Signs You’re Addicted To Your Credit Card

6 Signs You're Addicted To Your Credit Card

Credit cards are quick and convenient, but that can mean trouble. When your card is this easy to use, it’s no wonder it can be so easy to use it like it’s second nature. Addiction is quite common with credit cards, so it’s important to know the signs you’re addicted to your credit card.

6 Signs You’re Addicted To Your Credit Card

1. You keep your debt a secret from your partner

Does your partner know you have a lot of debt accumulated on your credit cards? If not, that’s not a good thing. In doing this, you could be hiding any correspondence from credit card issuers or hiding anything that you have been charging. Keeping your debt a secret shows that you have admitted your problem to yourself, but are still unable to ask for help or admit it to someone else.

2. Your cards are maxed out

When you hit the limit on all of your credit cards, it means you’re spending too much. If you are at this point, chances are your spending has exceeded your monthly income, which means it’s going to be even harder to pay off your debt in the long run.

3. You keep opening new cards

Now, if you’re maxing out on your credit cards, there’s a good chance you’re proceeding to open new accounts so you can continue to spend while you’re working on getting those other payments down. Opening another account means you’re not afraid to open yourself to more potential debt just for the sake of using your credit card.

4. You go to extreme measures to pay your bills

If your credit card debt hasn’t caught up to you yet, it will. Then you will have to start paying it off. At this point, some people go to extreme lengths to get the money they need. Once you start resorting to sketchy loans or dangerous methods to obtain money to pay off your debt, that’s a sure sign something needs to change.

5. You aren’t bothered by hikes in APRs

You know it’s not a good sign when your APR increases, but you don’t even flinch. To you, this is just another price to pay to continue to use your credit card.

6. Your balances increase at an alarming rate

As you continue to swipe your card for every single purchase, your balance continues to increase. Of course, when you’re using it that often, your payment becomes larger and larger quite quickly. When it grows that fast, it’s a sign that you need to look at your credit card spending.

It’s so easy to swipe your card and pay later. Be aware of these signs you’re addicted to your credit card spending. Then, unfortunately, before you know it, you’re in extreme debt and stuck trying to find ways to pay everything off. Plus, it’s not great for your credit.

If you need help fixing your credit after going into credit card debt, give us a call at 1-866-991-4885.


No matter what your situation, Go Clean Credit has a solution. We have many credit repair programs that are available to help you overcome your credit situation and place you back on the path to financial success. Real credit restoration is not a once size fits all model and we tailor your needs to the right program, but most people can start for just $99 per month.

We have fixed price programs that get you back on track in as little as 5 months, debt resolution solutions, programs geared toward people who have had recent short sales or foreclosures and many others. Help is just a free phone call away, or you can fill out an appointment request. Contact Go Clean Credit to schedule a free consultation today.

4 Tips For Using Your Credit Card

4 Tips For Using Your Credit Card

Having a credit card is great, but you have to be responsible with it. With how easy it is to use it for every purchase, it’s important to discipline yourself to use it only when necessary. Here are four tips for using your credit card to help you utilize your card the best you can.

4 Tips For Using Your Credit Card

Use cash or debit whenever you can

You should use cash or your debit card as often as you can to make sure you stay within your means. These forms of payment are taken out right away, so you have to stay within your budget. Little transactions can add up quickly on a credit card, and before you know it, you have a big payment to make. A good rule to follow is if the purchase is under $20, use cash or debit.

Never skip a payment

Make a payment every month, even if it’s only the minimum payment or enough to get your balance below 30% of your credit limit. Although, you should try to pay it in full if you are able to. Skipping a payment, however, is bad news for your credit, and should never be an option.

Set up auto pay

If you struggle to remember to make your credit card payments on time, you can always set up auto pay. This way the payments will go out automatically each month.

Use your credit card for needs, not wants

When you start using your credit card for a shopping spree, you can quickly get carried away. If you let yourself get carried away, your balance will get out of hand fast. Limiting credit card spending to only things you need will help you keep your budget under control.

Do you have any other tips for using your credit card that you would like to share? Leave them in the comments! We’d love to hear them!

To enlist the help of a trustworthy, effective credit repair company, call us today at 1-866-991-4885!


No matter what your situation, Go Clean Credit has a solution. We have many credit repair programs that are available to help you overcome your credit situation and place you back on the path to financial success. Real credit restoration is not a once size fits all model and we tailor your needs to the right program, but most people can start for just $99 per month.

We have fixed price programs that get you back on track in as little as 5 months, debt resolution solutions, programs geared toward people who have had recent short sales or foreclosures and many others. Help is just a free phone call away, or you can fill out an appointment request. Contact Go Clean Credit to schedule a free consultation today.

You’re Grounded! What To Do When Your Child Ruins Your Credit

what to do when your child ruins your credit

You’re always so cautious when it comes to your credit. What happens when it’s your child that hurts your credit, though? You can’t just ground them and suddenly everything is back to normal. Sure, you could, and probably should, talk to them about the importance of credit and being responsible with money. There are ways to stop your score’s decline before it gets worse, so here’s what to do when your child ruins your credit.

What to do when your child ruins your credit

When your child ruins your credit through a loan

Let’s say your child is unable to get financing on their own, so you co-sign on their loan. Your arrangement is that they have to make all the payments. Except they don’t. Unfortunately, the lender won’t care that you’re not the one who didn’t make the payment on time, if at all. It is your name on the loan, therefore it is your credit that will be affected.

When the late payments first become a problem, talk to your child about the importance of making their payments. Maybe they don’t realize that by not paying on time, they’re hurting your credit. Help them come up with a budget and a way to make sure they get the payments sent in by the due date.

If late payments are continuing to be a problem, then call your lender. They don’t want you to default, so there’s a chance they’ll work with you. Although it isn’t the best solution, this can sometimes mean a temporary deferral of the loan.

When your child ruins your credit through a credit card

You might also decide your child is ready to use a credit card and make them an authorized user on yours. The hope might be that they’ll prove themselves responsible so maybe they can eventually get their own. This leaves the door open to them spending more than you can afford to pay off. If this happens, or they add enough expenses to max out your card, it will hurt your credit.

Thankfully, this one is an easy fix. Of course, talk to your child about their spending first, then proceed to take them off your card as an authorized user, if you must. From there, just continue to make your payments on time to start working on getting your credit score back to where it was before.

Do you have questions about what to do when your child ruins your credit? Let us know! To enlist the help of a trustworthy, effective credit repair company, call us today at 1-866-991-4885!


No matter what your situation, Go Clean Credit has a solution. We have many credit repair programs that are available to help you overcome your credit situation and place you back on the path to financial success. Real credit restoration is not a once size fits all model and we tailor your needs to the right program, but most people can start for just $99 per month.

We have fixed price programs that get you back on track in as little as 5 months, debt resolution solutions, programs geared toward people who have had recent short sales or foreclosures and many others. Help is just a free phone call away, or you can fill out an appointment request. Contact Go Clean Credit to schedule a free consultation today.

Should You Pay Off The Highest Interest Or Highest Balance First?

Should You Pay Off The Highest Interest Or Highest Balance First

If you have credit card balances, you know it’s important to try to get those paid off before they accrue too much in interest. What’s difficult, though, is figuring out which one you should pay off first. In this article, we will answer the question: Should you pay off the highest interest or highest balance first?

Should you pay off the highest interest or highest balance first?

If you’re going to start with one, you should start with the card that has the higher interest rate. By starting with this one, you’ll ultimately pay less in overall interest charges. This is definitely the best move if the interest rate on this balance is significantly higher than the rates on your other balances. Also, this option is best if you aren’t able to transfer this balance to another card with a lower interest rate. You could transfer to a card with a lower rate, and try to pay it off before the rate goes up. If you choose to do this, though, make sure the transfer fee is low enough to make it worth while.

What if the higher balance is closer to your credit limit?

Even if the higher balance is over the 20%-30% range that it’s recommended to keep your balance under, it’s still best to pay off the higher interest rate first.

Getting rid of the debt with the highest interest rate saves you the most money as you pay it off. This is because, while the higher balance is accruing a higher dollar amount of interest, the balance with the higher interest is accruing more in relation to the balance.

Do you have any questions about whether you should pay off the highest interest or highest balance first? Give us a call today at 1-866-991-4885!


No matter what your situation, Go Clean Credit has a solution. We have many credit repair programs that are available to help you overcome your credit situation and place you back on the path to financial success. Real credit restoration is not a once size fits all model and we tailor your needs to the right program, but most people can start for just $99 per month.

We have fixed price programs that get you back on track in as little as 5 months, debt resolution solutions, programs geared toward people who have had recent short sales or foreclosures and many others. Help is just a free phone call away, or you can fill out an appointment request. Contact Go Clean Credit to schedule a free consultation today.