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!).
Read More →

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.
Read More →

5 of the Most Likely Targets for Identity Theft

Truthfully, identity theft can occur in dozens of ways, so it’s no surprise that you have your Lifelocks, Identity Guards and Ultimate Identity Protections out there to ensure that damage is always minimal. Identity theft is arguably the number one…

The post 5 of the Most Likely Targets for Identity Theft appeared first on Independent Credit Solutions.

Read More →

Independent Credit Solutions: an RTO Consultant’s Dream

We have to admit that most likely your RTO consultant specialist’s easiest job is accessing that qualified list of rent-to-own homes, negotiating with a prospective homeowner/landlord, setting up a showing, and getting you, the new homeowner, into that home. It’s an easy deal. What’s not that easy, though (although your consultant won’t sweat much either on this) […]

The post Independent Credit Solutions: an RTO Consultant’s Dream appeared first on Your Rent-to-Own Consultants.

Read More →

Credit Counseling and Debt Counseling: What’s the Difference?

Don’t be ashamed; it’s easy to confuse the two. But credit counseling and debt counseling operate on two completely different focuses even though they’re both disciplines within the same industry of credit repair or restoration. Here’s the skinny about what…

The post Credit Counseling and Debt Counseling: What’s the Difference? appeared first on Independent Credit Solutions.

Read More →

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 […]

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

Read More →

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…

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

Read More →

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…

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

Read More →

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…

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

Read More →

Recent News With the Hope Program: a Brand-New Credit Repair Service

Guess what, friends…. There’s a new credit service out there according to this most recent press release. That’s right. We’re surprised already given our already growing extensive list of services we provide to anyone — whether you’re a home renter, or someone looking for a mortgage with a 640 credit score, or even a business owner […]

The post Recent News With the Hope Program: a Brand-New Credit Repair Service appeared first on "H.O.P.E. To Own" your Own Home!.

Read More →