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Finding the Right ZIPPY Personal Loan for Your Needs

8 Mar , 2016  

Let’s be honest here: those ‘personal loans’ we keep hearing about get a nasty bad rep in the financial arena, for obvious reasons. Either you can’t ever get approved for one, or they get you into more trouble than you’re already in. So generally speaking, many frown on the American institution known as the personal loan. […]

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WHY YOUR PAYMENT HISTORY IS MORE IMPORTANT THAN YOUR CREDIT HISTORY

22 Jan , 2016  

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!).

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4 Top Infamous Thieves Having NOTHING to Do With Identity Theft

22 Jan , 2016  

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What does a thief look like in modern society? Are they strung-out crackheads? Or the devilishly good-looking James Bond types that you see on TV? Does it matter? In all honesty, no.

The Thief of Today’s Age Can Be Anyone

Your 16-year-old babysitter, the nerd you picked on in high school, and even your boss. And why is that?identity theft nerd Because today the largest growing trend in thievery is identity theft, a crime where the criminal doesn’t even need to have a face, or even a “personality”! More than ever there has been a need to enroll in identity theft protection.

But if that doesn’t convince you of why you need the credit monitoring, restoration, alerts and even credit repair associated with something like LifeLock or Identity Guard, know this….

Even the Top Infamous Thieves of Our Age Wouldn’t Know How to Be Criminals of Identity Theft!

And that’s saying a lot right there. Ever heard of Robin Hood, the famous man in tights serving the poor?Or how about Robert Louis Stevenson’s fickle pirate Long John Silver and his hunger for treasure? Even the sexy and dangerous gangster couple Bonnie and Clyde would be scratching their heads about social media and bank accounts, because back then it was all about the tommy gun and toting bags of cash. Plus you can’t even beat Ali Baba in stumbling onto a secret lair saying “open sesame” and stealing from 40 other thieves (but he certainly couldn’t scam and hack his way into your daughter’s Facebook account, we think!).

These four thieves wouldn’t know what to do with this scheme called identity theft. It’s above and beyond them. They committed crimes, sometimes in the worst way — either fictionally or historically — yet your everyday identity thief could do so much more.

So take this advice — protect your identity. Immediately.

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The post 4 Top Infamous Thieves Having NOTHING to Do With Identity Theft appeared first on Ultimate Identity Protection Services.

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Buy a home with bad credit,Current News,renters

Something We Don’t Discuss Often: Credit Repair

22 Jan , 2016  

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.

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Buy a home with bad credit,Current News

Holding Hands: What Everyone Says About Independent Credit Solutions

22 Jan , 2016  

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.

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Check Out the UIP Google+ and LinkedIn Pages!

22 Jan , 2016  

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Scroll down below, and you’ll see the offer to follow beckoning your call. Learn more about what we bring to the table on social media as we grow our outreach and make it clear that ID theft has no place in the lives of U.S. citizens. UIP makes it happen.

And UIP Makes It Happen on Google+ and LinkedInUIP-1

Here’s the thing about identity theft. It’s a growing epidemic. And the worst of it is this: social media happens to be a serious target as well! So why not fight the battle there as well?

  • Our Google+ PageHere you’ll find links of all our affiliates, everything from legal to finance, and even real estate. You want the best possible access, seamless and simple? You can get it right here on Google+.
  • Our LinkedIn PageWe showcase for the demographic here, targeting the niche and making sure those in need of identity theft protection receive it from UIP. But here’s something more important regarding LinkedIn. Identity theft can even happen to businesses…. We leave no stone unturned when it comes to ID theft.

UIP-2Whether You’re a Business or Individual….

It’s pretty clear: you’ll need identity theft protection. Especially if you’re on social media. If by chance you have a Google+ account, or a LinkedIn account, or even a Facebook account (which, who knows, we may end up having a page there, although there already is one dedicated to identity theft protection), don’t hesitate to contact us at UIP.

Our job is to help make sure your identity’s safe. Secure. Safeguarded. Because without that identity, you’re lost. And so is your future. Join us now on Google+ and LinkedIn and see what we can provide for you as far as industry trends, news, updates and developments in the space that is ID theft protection. It’s time we build this community the way it needs to be.

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The post Check Out the UIP Google+ and LinkedIn Pages! appeared first on Ultimate Identity Protection Services.

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Why Bankruptcy Filings Require Credit Counseling Approval

22 Jan , 2016  

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.

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4 Truly Successful Credit Repair Secrets

22 Jan , 2016  

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.

The post 4 Truly Successful Credit Repair Secrets appeared first on Independent Credit Solutions.

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Independent Credit Solutions: an RTO Consultant’s Dream

21 Jan , 2016  

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) is getting you the credit repair services, if necessary, to prepare for the moment you exercise that lease option to buy. It’s essential. independent credit solutions-1You need credit repair, and improvements with your score don’t just happen by osmosis. Plain and simple.

So What Can You Do? You Get Independent Credit Solutions in on the Game!

Make no mistake: the rent-to-own consultants know the deal when it comes to credit repair already. It’s part of the job. Since, though, the BBB A-rated H.O.P.E. Program learned about this brand-new credit repair service, Independent Credit Solutions, as reported in this press release, let’s just say the options are plentiful, and it just makes the job that much easier for your own consultant to ensure you get into that home.

Everyone’s loving the idea, to be honest. H.O.P.E.’s pretty proud of it. Sites like Nationwide Property Values and the Complete Real Estate Site have voiced their opinions about how crucial credit repair really is to home ownership with their own stamps of approval on the new service, Independent Credit Solutions, so it’s pretty clear — you win. Everyone wins.

It’s Important That You Ask Your Consultant About Credit Repair

Even better, go ahead and put in an inquiry with Independent Credit Solutions and get started right now on improving your credit score. Don’t wait. Because when you get to that point to sign on the dotted line to own your own home, the question will be this: will you get that approval, or not? A credit score of 640 or more will definitely ensure the positive!

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

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Buy a home with bad credit

Using Your Credit History to Your Advantage in Credit Repair 101

23 Jan , 2015  

Admit it: you hate looking at your credit history, and sadly that’s largely why your credit score’s so bad. You might think these credit repair techniques won’t work with the dim outlook of a measly 500 credit score, but guess what: you can even use a spotty credit history to your advantage. But how?

Consider This: No Credit History Is Actually Worse!

That’s the one thing probably worse than a bad credit score; it’s no credit score at all. At the very least, you could potentially have a chance in obtaining a car loan or a zero-down home with bad credit with some assistance from Lexington Law professionals; but they won’t be able to help you if there are no negatives to fix, and a lender certainly won’t be able to approve you if there’s no data to gauge you on!

In other words, you have to do the impossible, perhaps, as a budding college student: get a credit card! Scary, right? Slam dunk? You might break the glass backboard. At the very least, you’ll do the one thing you, as a future professional in our employment market, have to do — you have to build your credit.

Things You Can Do in Building a Credit Historycredit repair slam dunk

Don’t go crazy, of course. Start small.

  • Buy candy bars on credit
  • Buy gas every once in awhile on credit
  • Buy your books on credit
  • More importantly, pay the balance back immediately!

It’s the payback that’ll get your credit rating to go sky high. It shows lenders that you’re responsible. You could have dozens of accounts on your credit report, and it won’t really show anything negative if you’re paying on all of them on time.

Hitting the 3-Pointer of Credit Repair

Don’t take my word for it, though. Try it. Let’s say you already have a pretty stained credit history from way back. Some accounts got closed out and others were settled, but the fact of the matter is this — lenders will look at what you’re currently doing. If you have just one loan or credit out that’s active, and you’re paying on it, then you’re golden.

One thing’s for sure: that’s better than having no credit history at all. Score!

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