Tag: independentcreditsolutions.com

WHY YOUR PAYMENT HISTORY IS MORE IMPORTANT THAN YOUR CREDIT HISTORY

Ever wondered why you just can’t get that loan? You have a bad payment history! That is just the plain truth. Your credit score is so low that financial institutions are afraid ofloaning you a cent. You have borrowed in the past, but this time, it is not just working. You can’t seem to borrow credit again. Hey, you are in debt! It is no rocket science. You owe a lot of people some bucks and you know it.

Owing a lot of people including banks without paying back effectively contributes to a low credit score.
The way to fix credit score is to do credit repair. Wait! This is not like some auto-related stuff. It is just a way to make you creditworthy again.

So Why Is Your Payment History More Important Than Your Credit History?



First, let’s understand what both terms mean:

PAYMENT HISTORY — is a record that that shows how often and timely you pay off, i.e. repay your credit. Your payment history is what lenders and creditors use to know if you are a lending risk as a result missed or late payments or even non-payment.

CREDIT HISTORY — is also a record of an individual’s ability to repay debts and his demonstrated responsibility in repaying such debts. This record contains information like the number and types of credit accounts, how long each account has been open, amounts the individual owes, amount of available credit used, whether he pays his bills on time and the number of times he has inquired about credit.

So if you really want to get credit from banks or rent/buy a house, you have to have a good payment history, and that doesn’t take a Sherlock Holmes to figure out. Creditors will care about whether or not you make your payments on time versus how many payments you’ve made (if anything, how many payments you’ve made might actually benefit you!).

Credit Repair’s Crazy Good With Independent Credit Solutions!

You might’ve already ready about the most recent news at H.O.P.E. to Own, but just in case you missed it, here it is. You can catch the press release as well as multiple other sources such as the Complete Real Estate Site, Nationwide Property Values, Assisting Renters and many, many, many more. But let’s just say this one important sub-header for all of you readers out there:

The HOPE Program Is Loving Credit Repair With Independent Credit Solutions

Finally…. Credit repair’s branded all ICS along with the likes of Lexington Law. It’s all good. The more options, the better, right? In the end, this benefits the prospective homeowner, home renter, entrepreneur, bookkeeper, college student, CEO, secret agent and watchdog located in every hen house, outhouse, and doghouse within a 5-mile radius (immediate shot-out to Harrison Ford and Tommy Lee Jones’ “The Fugitive”!).
So we don’t have to tell you that credit repair’s essential to the goal of getting a home — whether it’s a straight, upfront mortgage, or a rent-to-own. All we know now is that the HOPE Program now sees that it’s that much more possible, with Independent Credit Solutions, for every customer seeking to enroll to get the credit repair they deserve.

So You Know What You Need to Do? ENROLL WITH INDEPENDENT CREDIT SOLUTIONS. Right now.

It’s worth it. It’s worth every penny (and that’s not a lot of pennies). Because that’s the HOPE Program’s one major benefit. They’re only out to help you. They’re not going to charge an arm and a leg. Their goals are yours. They want you to get into that home — hopefully with zero down.
Visit Independent Credit Solutions right now and get enrolled. Before you know it, your 640 credit score will laugh all the way up your front door as you unlock it to your new future in your new home.

Holding Hands: What Everyone Says About Independent Credit Solutions

Credit repair should be positive, right, people? We should be grabbing the guitars and singing by the campfire. We should be boasting our love and brotherhood for the best times in the world as we repair everyone’s credit as noticed by the BBB A-rated H.O.P.E. Program. Because this is all about HOPE (literally).

We’re Sure You Might’ve Already Caught the Cyberspace Grapevine and Saw All the News About Our Services at Independent Credit Solutions

If you haven’t, you can check this press release. Aside from H.O.P.E. to Own addressing our new service already, wouldn’t you know it — others have voiced their opinions about our services, and we can say safely and happily that we’re pleased at the response —independent credit solutions holding hands

And That’s Only the Beginning

The HOPE Program obviously sees great things in the future for a real estate market constantly struggling to stay healthy. But because of advancements and growth like this, there’s no doubt — everyone can get the help they need. Simply sign up with Independent Credit Solutions and reap all the benefits of DIY credit repair and bankruptcy services right now.

The post Holding Hands: What Everyone Says About Independent Credit Solutions appeared first on Independent Credit Solutions.

Why Bankruptcy Filings Require Credit Counseling Approval

This is honestly why credit counseling and credit repair are so important to us. It’s considered the first step to remedy disaster — and the disaster can come in many forms…. Identity theft, lack of bookkeeping resources, lack of legal assistance even! The list can go on and on. And while bankruptcy filings can solve plenty of issues, we always go with credit repair as the main source of success to avoid any clean slate. Having a bankruptcy on your credit report isn’t exactly a shining gem, a question you should have in your repertoire of questions for any credit counselor.

The Law Actually Requires That You Attend a “Briefing” With a Credit credit counseling-1Counseling Agency, Believe It or Not

And for good reason. You need to know for sure what you’re going to be facing in the event of your bankruptcy filing, regardless of whether or not it’s going to be a Chapter 7 or 13. While you may get that clean slate, make no mistake: it’ll be just as easy to let your budgeting and money management fall by the wayside and get back into the same situation of financial failure and credit counseling that brought you to the legal side in the first place.

That briefing will be your instructional course on personal finance coordination, something the Income Tax Planning Network could assist you with — and this is crucial to consider before your debts are ever discharged. Once you’ve completed the course, of course, you get that sign-off you need as mandated by the law to go through with the bankruptcy filing.

Brings About an Important Point You Have to Keep in Mind

Bankruptcy isn’t supposed to be a “way out.” It’s an option. For some, it may be the only option. It’s, for sure, never a crutch; and it never should be. So you always want to be sure that if you’re faced with the option for bankruptcy, make sure through credit counseling that it is, indeed, your only option!

The post Why Bankruptcy Filings Require Credit Counseling Approval appeared first on Independent Credit Solutions.

Something We Don’t Discuss Often: Credit Repair

We definitely should, though. No doubt. Because when it comes to rent-to-own, credit repair’s essential, and it turns out that the BBB A-rated HOPE Program sees the writing on the wall — despite already doing well for customers in credit repair thanks to Lexington Law — and recently reported of their own review of yet another credit repair service out there recently launched.

The Name of the New Credit Repair Division Is INDEPENDENT CREDIT SOLUTIONS

And the department over there is now in full swing to start assisting customers nationwide as this press release credit repair swampstates. Sure, it’s all well and good, and we love a good credit score. Without a doubt, homeowners love those shining credit reports, too. But more importantly, the best part of Independent Credit Solutions is the fact that they’re focusing on the one element essential to the success of anyone prospecting for rent-to-own options. It’s all about credit repair.

You’ll need a 640 score, basically. No ifs, ands or buts. Anything lower, and you might be treading through mud during your trek across the swamp of the real estate market, and that’s no fun for those socks and boots you’re wearing. It’s a dangerous jungle out there; you’ll hear that from even your favorite rent-to-own consultant, but what can make it better for you is a pristine credit score brought about by one of the best credit repair service you could ever have recommended by the H.O.P.E. Program.

Take Advantage of It Right Now. Immediately. Your Credit Score Demands It.

We can’t legitimately review such a site as this, though, as this has literally nothing to do with rent-to-own. But what we can do is discuss it. Right here. Right now. Credit repair’s important. You can have all the services in the world, but if you don’t take that first step and follow through with repairing your credit right now by enrolling here, you might be up a creek and lost in the wilderness.

And that’s no place to be right now in today’s real estate industry.

The post Something We Don’t Discuss Often: Credit Repair appeared first on RentToOwnReviews.

8 Real Questions to Ask Your Prospective Credit Counselor

Truthfully, we hate labels. And titles. And name placements. Political correctness: it’s a fickle beast, especially when talking about something as touchy as credit repair. But no worries — we’re not going to sugar-coat or bounce around the topic like some organizations or professionals out there, and we’ll tell it like it is. It’s very simple: when talking to a credit counselor, you have to ask specific questions just to be sure you’re talking to a real credit counselor for the right reasons. Why? Just remember this important fact: credit repair walks a fine legal line. You want to make sure you stay within it.

Here Are Eight Real Questions You Absolutely Must Ask a Credit Counselor — Just to Be Sure You’re Dealing With the Real McCoy

There are a lot of credit repair scammers out there, in other words. Many will label themselves as credit counselor-1credit counselor, but that’s not what they do. As a consumer, you have a right to know what you’re dealing with before potentially getting yourself in hot water, so ask the potential credit counselor you’re consulting with, and interviewing, these specific questions:

  • Can You Approve My Bankruptcy Filing? — What we mean by that are the legal requirements to filing for bankruptcy. The credit counselor you’re talking to has to have the certified approval to sign off on the legally mandated requirement to seek credit counseling before filing for bankruptcy. So make it a point to ask this question immediately.
  • Are You a “Debt Counselor” or a “Credit Counselor”? — Like we said, we hate the labels. They may sound so similar; but in truth, they’re very different. You ask this question just to be sure you are dealing with a real-life credit counselor. What are the differences? Find out right here.
  • Are You a 501(c)(3) Organization and Can You Prove It? — Now you’re getting tough with the prospective credit counselor, and you should. Grill that credit counselor to the bone with this one. Why? Why does it matter that the credit counselor’s a 501(c)(3)? Here’s why.
  • Are You Accredited? — Almost seems like a no-brainer of a question, but would you like to know exactly what kind of accreditation you should be hearing from a credit counselor? Read about it right here.
  • Are You Professionally Trained? — Remember this important fact: you are interviewing the credit counselor. So you’ll make that professional sweat. Ask them the tough questions. Knowing the ins and outs of credit repair and restoration is one thing — being completely certified is a whole ‘nother ballgame entirely.
  • Do You Have Any References? — Honestly, a true credit counselor would, and should, lick his or her own lips at this question, frothing at the mouth at the opportunity to show off the praise and positive reviews from prior clients. So go ahead and ask. Specifically, there’s one other big reason why a credit counselor would love to offer up references….
  • Can You Guarantee Success? — AHA! Another ‘trick’ question here. The fact is no credit counselor in the galaxy — nay, the universe — can guarantee anything. Here’s why.
  • And, of Course, How Much Do You COST? — Shop around and you’ll find the fees jumping left and right. Obviously, go with the most beneficial solution for the consumer to a certain extent, and you’ll learn why right here.

Just Remember, Though: They’re Not Doing the Credit Repair Work For You….

Rather, they’re pointing you in the direction of what you need to do and maybe even assisting in the legal process. There’s value in that, something not only we at ICS do, but other reputable agencies and organizations like ITPN would do on a regular basis, so it does exist.

You just need to make sure you’re actually talking to a real deal, and not a real poser in the business. You accomplish that, of course, by asking these questions. Because, after all, this is your credit report we’re talking about! And your credit score is the difference between getting that job, or landing the home mortgage, or securing an auto loan.

Make sure you’re talking with a real professional.

The post 8 Real Questions to Ask Your Prospective Credit Counselor appeared first on Independent Credit Solutions.

4 Truly Successful Credit Repair Secrets

Here’s what you have to remember about credit repair — the long-term goal is the ultimate benefit. Home ownership. Easy loan approvals. Peace of mind. That pristine credit score will get you far, honestly, for the rest of your entire life with the best credit repair secrets! The benefits could easily last beyond your own needs, too. Think about your spouse. Your kids. Your life beyond your own.

In Other Words — Your Credit Score Is You

So you’ll do whatever you can to get a hold of the best credit repair secrets out there without having to shell out your entire savings and see minimal effort. One thing’s for sure: without the best credit repair secrets, that spotty credit report will cause massive problems for you in your life, everything from mortgage financing, refinancing, home improvement, emergency loans, medical bills. You name it. So get that credit score up with these credit repair secrets right now:

  1. Removing the Negatives — One call to Lexington Law at 844-346-3262, and you’re well on your way toward the first step of credit repair. Getting rid of those “stains” on the credit report. You cancredit repair secrets-1 even sign up right here to get started. Why is it important to remove those negatives? Because they’ll stay on for a very, very, very long time. Unless you act now.
  2. Opening Up New Lines of Credit — Next you need to show creditors that you can hold up on credit lines, making payments and such. How do you do that? You can open up new secured credit card accounts — click here for one offer, or here for another offer. And the trick is to start making small purchases, paying them off immediately. What you’ll find is the payments will be recorded on your credit report to show that you are reliable. What happens then? Your credit score goes up!
  3. Try Personal Loans and Cash Advances, Too — Every now and then, emergencies do happen in your life. But did you know that taking out a loan or even a cash advance out of your paycheck can actually improve your credit score? The key is religiously being diligent about getting payments in to pay it back. They’re not handouts. Heck, if you even wanted to just take a personal loan out for its own sake, do it. A cash advance, knowing you won’t have any trouble paying it back, won’t hinder you in any way. So why not do it if it will better your credit score?
  4. Lastly, This Secret Out of All Credit Repair Secrets Will Blow Your Mind — Your rent payments. You heard us right. Did you know that your own rent payments, even retroactively, can boost your credit score astronomically? Take advantage of adding those payments onto your report through Rental Kharma, because why wouldn’t a lender or creditor even think you’re reliable when they see that you’re always making your payments? Makes sense….

Of Course These Credit Repair Secrets Make Sense!

And the best part is the majority of this will be a small temporary investment on your part. The bonus is you have those safety nets — your lines of credit and the ability to take out any loan you want at will due to that high credit score. Getting your credit repair fixed is about as easy as buying a candy bar with your credit card — and paying it back, so it shows on your report.

Just follow these rules implicitly. Click here for sponsored listings right nowSign up right now to get started immediately! And feel free to visit our Google+ page and Facebook page to learn more about what it takes to restore your credit to where it needs to be.

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Why Grand Rapids Sees Beneficial Credit Repair Services

We’ll be ridiculously honest that even in our great city on the river, many residents here suffer from serious credit repair problems. Scammers are out there (so says Sherlock Holmes, right?). Sometimes the cost is too much just to get that credit score up. What can a Grand Rapids resident do to solve the problem, so he or she can get into a home with zero money down and a decent mortgage payment? Well, the BBB A-rated H.O.P.E. Program has the answer, having worked with the likes of Lexington Law for so long!

Enter Independent Credit Solutions: A New Service for Credit Repaircredit repair open door

It was recently announced in a press release that this new service was recently launched, throwing in their hat in the credit repair market: Independent Credit Solutions, their own brand of credit repair, and wow it’s making waves all over social media, through the HOPE Program’s own blog even, and through sites like OWNWITHHOPE and the Complete Real Estate Site. The word is spreading. And hopefully Grand Rapids, Michigan, will hear it loud and clear.

The fact is this: credit repair’s essential to the prospective homeowner. Even if you’re renting, or considering a rent-to-own, you’re going to want to enroll in that DIY credit repair — because the better your credit score, the faster you get into that ideal dream home.

The Answer Is Obvious: Enroll in ICS Right Now

You can fill out your information, in fact, right here with Independent Credit Solutions — the unique service empowering all prospective homeowners with the resources necessary to improve their credit. Credit repair’s only an open door away. You don’t even have to open any doors at all. ICS has all the doors open for you thanks to their new division of credit repair. Get started right now and don’t hesitate.

The post Why Grand Rapids Sees Beneficial Credit Repair Services appeared first on Grand Rapids Property Values.

An Enterprising Look at This New Credit Repair Service

We say it sounds spectacular, actually, this concept of credit repair. We approve. When it comes to property values, an ultimate facet of how such a concept’s influenced is as simple and rudimentary as a few numbers on a piece of paper, often reported by one, two, or three particular agencies of renown. Yes, we’re talking about your credit score. Your credit report. Your lifeblood for everything involving home loans, mortgage approval — something the BBB A-rated H.O.P.E. Program considers very carefully and seriously!

Which Is Why H.O.P.E. to Own Endorses a New Credit Repair Service!credit repair

It was recently announced via press release, plus the HOPE Program went ahead and voiced their own review of the service as well. Already other sites have jumped on the bandwagon and realized that options are essential for the everyday prospective homeowner, such as the Complete Real Estate Site and OWNWITHHOPE, and when it comes to getting into that mortgage, credit repair may be the key to it all according to each and every one of these prestigious sites. We don’t deny it either.

The best part? The new credit repair service comes with it an authentic name: Independent Credit Solutions. Meaning, the unique selling proposition here is that you, the customer, can have all the power and authority to repair your credit with the proper resources. And it doesn’t even have to matter if you’re a home renter, college student, entrepreneur looking for a job, or even the smartest CEO on the planet! This service brings the goods.

We Suggest You Enroll With Independent Credit Solutions Immediately

Unless you already have (which may easily be the case). Who knows: you may have also enrolled with heavy hitters like LifeLock and Lexington Law, taking care of very important aspects of home ownership (identity theft protection and paralegal credit repair), and you may have even benefited from the H.O.P.E. Program as well with a plethora of options for the client (such as their own identity theft protection package! Yes, they even have that.).

So you can’t lose. Get your DIY credit repair services right now. And ensure you get into that home you’ve always wanted.