Pretty Credit, LLC

Dr. Marrissa Dick | September 13th, 2018
Yusheeka Gray and Pretty Washington (Photos by Apollo Wonex)

Yusheeka Gray and Pretty Washington (Photos by Apollo Wonex)

Have you had one or more financial misfortunes over the past several years? Have you made late payments because you were robbing Peter to pay Paul? Were you irresponsible with a credit card in your youth? Or maybe you lost your employment and were unable to pay your bill(s). If you can answer yes to any of these questions understand that you’re certainly not alone. Plenty of people are concerned about their credit score and rightfully so because today’s economy operates on credit. If you want to rent an apartment, purchase a house or car, or even need a student loan to pay for college your credit worthiness is key to receiving that loan and even the amount of interest you will need to repay. The higher your credit score, the less likely lenders are apt to see you as a risk or liability. On the other hand, if you have challenges you may receive that loan with a higher interest rate or if your score is low, you may be denied credit because you are being viewed as unreliable and irresponsible. Sometimes having no credit at all can even put you at a disadvantage because you’re unable to get credit if you don’t have a credit history.

Having challenges with your credit doesn’t necessarily mean that you’re irresponsible; instead, it could have everything to do with “life” happening to you. Meet Pretty Washington, a woman of relentless faith, and Founder and Chief Executive Officer of Pretty Credit Consultants, LLC. Pretty Credit is a life line for those who are in need of credit restoration. This company understands that having a low credit score doesn’t run parallel to who you are as a person nor do they correlate derogatory remarks on your credit report with truth. “I became interested in this industry because I had some challenges with my own credit,” says Pretty. “I had to find out the hard way that the credit bureaus were not on my side. I didn’t realize that when I was writing my dispute letters that the information I was providing them with was being used against me. Fortunately, I met a friend who worked in the industry that pointed me in the right direction so I could study the laws for myself, and that’s what I began to do. I started with the Fair Credit Reporting Act (FCRA) and really educated myself on what my rights as a consumer actually are.” Pretty shares that most people don’t take the time to educate themselves on the laws, so they are not aware of what credit reporting agencies can and cannot do. Educating their clients on these laws is only a small part in helping their clientele to restore their credit.

Pretty is staunch when it comes to knowing what’s on your credit report because people can become victims of credit fraud without knowing it. She advises all consumers to check their credit because people are often unaware that they have fallen prey to identity theft until they apply for a loan for a house or a car and are denied credit because of unpaid charge cards and other major purchases on their credit report that may be reporting inaccurately. Pretty is no exception to this experience.

“It’s important that you check your credit report because a lot of times people are victims of fraud and identity theft and don’t even know it. I’m no different because it happened to me. My identity was stolen. This person opened accounts in my name and she got away with a lot of stuff. It was so bad that a warrant was issued for my arrest for all that debt. I had bounty hunters looking for me. I remember it like it was yesterday. My husband and I was just coming home from church when the bounty hunters knocked on our door. They were going to arrest me at church but while they were following us, they received a photograph of what the woman actually looked like and they realized it wasn’t me. So, when we got home from church they knocked on the door and explained everything. I had no clue that I was being followed or that my home was being staked out for three days. So, I went to the police station right here in Greenville, SC to clear my name. I had to complete a statement and go through a long process even though I was innocent. While I was down there, I had police officers telling me that they understood how I was feeling because they had their identities stolen too. It’s important for people to protect their personal information because there are thieves just waiting to steel your identity. So of course, I didn’t like that experience, but it gave me a realistic view of how things really are. It forced me to have compassion, sympathy, and empathy for consumers. Pretty Credit doesn’t judge people by their credit score like a lot of other companies do. Instead of judging the consumer, we help them get back on track. Here at Pretty Credit, we understand that every situation is unique, and we treat it as such. I believe I had that real-life experience, so I can know what it feels like to fall victim to fraud. I mean real life bounty hunters came to my door with handcuffs and everything ready to pull me out of my home, away from my family, and take me to jail for something I didn’t do. If it wasn’t for that picture being sent at that very moment, I realize that things would have turned out much differently. Can’t nobody tell me that God isn’t real, and can’t nobody tell me that He’s not an on time God because He is.” Talk about having a testimony that can stand alongside of Daniel in the Lion’s Den and The Three Hebrew Boys, Shadrach, Meshach, and Abednego being tossed inside of the fiery furnace by King Nebuchadnezzar. They survived unharmed and vindicated and so did Pretty. “It’s only my praise and faith in God that brought me through that,” she shares. Proverbs 4:7 says, “Wisdom is the principal thing; therefore, get wisdom: and with all thy getting get understanding.” It is through Pretty’s experience that Pretty Credit understands that your credit history isn’t always what it looks like on paper; therefore, each clients situation is treated on an individualized basis. Additionally, they offer tailored programs that can aid their clients in achieving the desires of their heart while simultaneously working on credit restoration.

When talking about getting an understanding of how significant and essential good credit is even in the basic parts of your life Yusheeka Gray – Partner, Co-CEO of Pretty Credit, and Credit Repair Business Trainer – understood this basic concept early on in her life. She shares, “I started my credit repair journey back in 2006. I was in my early 20’s, a young single mother, living in public housing, and depending on welfare. Even though I lived in public housing I still wanted to live in a single-family home that was income base driven but even that required me to have good credit. I also needed a car, so I could get back and forth to work. Everything I needed to improve my life at the time required me to have good credit. Because I was ignorant to what my rights were as a consumer I paid someone over $400 to work on my credit. I didn’t know that credit repair companies were governed by laws and that they weren’t allowed to take lump sums of money up front and so I ended up being scammed. They didn’t fix anything. That’s what motivated me to learn as much as I could about the laws. I also found myself a mentor, Mike Citron, who taught the Florida Bar Association all about credit. I figured if this person is teaching attorneys about credit then he’s somebody I needed to know. So, I invested in myself by attending his credit bootcamps. That’s where I learned the laws and how to ethically work on your credit. I learned so much that I was able to open my own business in 2008. Though I was helping individual consumers, I realized that I had more business helping other credit business owners with their credit repair business so in 2011, I switched gears and started focusing more on coaching other credit repair business owners. During that time, I had met a friend through the industry and I started helping her grow her business. We took it from $100 thousand annually to over a million dollars in less than a year. Both my husband and I were working for her and the company was doing so well that she asked me to open an office in Columbia, South Carolina which I did. We moved our family from Ohio to South Carolina but within 9 months, she informed us that she was selling the business, and unfortunately the new owners didn’t want to keep the Columbia office. Can you imagine how we felt? We uprooted our five boys, purchased a home with a $2,300 mortgage, and we had two car notes. We went from $120,000 a year income to zero income within a months’ time.  All of that, and turns out the company was never sold. That was one of the worst experiences I’ve ever had. But like Pretty, I have strong faith, so I prayed and then I did what I do best; I started my own business again. I started a virtual video training program that taught business owners how to properly dispute and be compliant, ethical, and moral while achieving good results for their clients. That’s so important and it’s also one of the things I really respect about Pretty Credit because we implement all of the legal and ethical statutes for consumers and we have the best credit restoration team on the planet. Our fees are affordable, and we don’t take advantage of clients.”

Fortunately, Yusheeka and Pretty had met several years prior but it was Pretty who knew that they were somehow kindred spirits. Yusheeka recalls, “I was working with someone else the first time I met Pretty. I just shared some advice with her and she told me that we were going to be working together one day. So, I just listened to her thinking that’s not going to happen because I’m working with someone else. Now I totally understand when people say that God has a funny sense of humor because the next thing I know, that previous working relationship ended and here was Pretty again. She ended up taking my video training course. She told me that she prayed and asked God for direction and he literally sent her to my video. Honestly, I thought this lady was crazy for a little while because she found me at least three times and every time we met she would tell me that we’re going to be working together one day and I was like yeah ahuh okay. But Pretty’s personality is just like her name and the more we spoke the more I connected with her and realized how beautiful a person she is and I became drawn to her like a magnet. So, the next thing I knew we were having dinner together and it was perfect; the chemistry was undeniable. Both our husbands me and her everything just clicked. So, it was during that dinner when we began talking about partnership and blending our talents. In September 2017 we decided we were going to just merge our companies together. It’s good because we all have our specialties. Mine is really business to business while Pretty’s is more consumer driven which makes us a one stop shop.”

Look at how God knitted this friendship in the spirit before it came to pass. Much like the friendship with Jonathan and David. 1 Samuel 18:1 reminds us that, “the soul of Jonathan was knit to the soul of David, and Jonathan loved him as his own soul.” This reflection on the meaning of friendship bears with its ideas of strong emotional attachment and loyalty. Not surprisingly, the term “friend” naturally became another name for believers or brothers and sisters in the Lord which Pretty and Yusheeka are indeed. Though it appeared the working relationship wasn’t going to come to pass Yusheeka says that she is so thankful that Pretty remained faithful and trusted the process. “And we know that all things work together for good to them that love God, to them who are the called according to his purpose. (Romans 8:28) It suffices to say that they are both working in their purpose.

It takes a steady administrative hand to push that purpose locally and internationally. Meet Elliott C. Washington, Jr. the Chief Operations Officer of Pretty Credit. He’s the person who orchestrates the networking for their one stop shop. According to Elliott, “It’s my responsibility to expose what we do here. My wife, Pretty, works one-on-one with the consumers and Yusheeka implements her Business to Business piece. Joining forces naturally gave us a much broader company and allows us to offer greater services. Because we have Yusheeka we can now actually train other credit repair companies on how to operate a successful business from the time they turn their lights on until they turn them off. We also have a dispute resolution team that’s on a different level of success. The consumer and Professional Partners that we work with have seen significant growth because our dispute resolution team is professional and committed. We work with Professional Partners, so they don’t ever have to turn anyone away who wants to own a home or needs an automobile. I see what we do as departmental. You know it’s awesome when other professionals send their clients to us because they know we can work with that person or business to help them. We help other business retain the clientele, thus helping them to bring in at least 50% – 70 % more annual income by partnering with us. We pride ourselves on bringing that added value to a business and we never charge them anything to partner with us while we do all the work. We help their clients get to the level that they need to be at so they can purchase those big-ticket items they desire. “

So why would someone use Pretty Credit Consultants instead of contacting one of those television commercial ads promising to “repair” your credit? Elliott explains, “We do a couple of things here at Pretty Credit that other companies just don’t do. First, we treat every single person who walks through our doors with respect because we believe that everybody deserves a second chance. If you’re trying to change your life for the better so you can have something, then we’re here to help you do that. Though we’re here to help both the blue- and white-collar worker we also provide structured programs to help the common man have the best life possible. That’s why we’re different. We’re also different because we actually work on a consumer’s personal credit while simultaneously working with them and our developer to design a home for them from the ground up anywhere in the states of South Carolina, North Carolina, Georgia, and Florida and no score is too low for our program. Other companies don’t offer or provide the same non-traditional services and programs in same capacity that we do, with the same great quality and at the same low prices. That’s why Pretty Credit is different. We are genuinely here to be a blessing. We’re going to hold our client’s hand, walk them through the process, and make sure that they get that credit score, so they can sign on the dotted line.”

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