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!).

Inbound Vs. Outbound Housing Searches: the Secret Weapon of #GrandRapidsMI Want to know why Grand…

Inbound Vs. Outbound Housing Searches: the Secret Weapon of #GrandRapidsMI

Want to know why Grand Rapids, MI, #realestate  is making such major headlines? It's a clever metric when you consider that there are more people looking for homes IN Grand Rapids from OUTSIDE the city. That typically means the housing in the city may be affordable and even more appealing, to some degree, that buyers are drawn to them like moths to flame.

Just how much more prospective buyers will be loving the GR real estate? Statistics show that for every 110 potential house hunters outside the city, there are only 100 house hunters IN the city looking for a new place either in another town, or even in another state.

Statistically, that means there's an appeal we're seeing in GR's real estate! To contrast that, we can take a look at another well-known Michigan city — Detroit — and notice that the metric shows 71 persons hunting for homes in the city whereas 100 Detroit residents want to pack their bags and look elsewhere.

Apparently, Grand Rapids is doing SOMETHING right.

Grand Rapids Home Values » Blog Archive » 5 Reasons Why Grand Rapids, MI, Real Estate Will Soar in 2016

We’re not simply talking about a trickle type growth in the Grand Rapids, MI, real estate market. Try national — at least that’s what Trulia states, a national real estate research firm, crunching the numbers in preparation for analysis of the 2016 housing market, and here’s the major scoop: …

The Rise of #RTO: Why Rent-to-Own Just Might Be a Good Option for You #AssistingRenters  knows q…

The Rise of #RTO: Why Rent-to-Own Just Might Be a Good Option for You

#AssistingRenters  knows quite well what your goal is. You want to own a home. Eventually. Why not under a timeline that fits your goals? Think rent-to-own. There's a reason why RTO has been gaining ground in the #realestate  industry currently, but you're forgetting one important resource, and we have it right here —

YOU NEED A CONSULTANT TO HELP YOU FIND THE RIGHT RTO HOME.

Among other things as well, like scheduling the showings, negotiating the terms, and representing you the moment you're ready to buy. Sounds like a lot of work. Yes, #AssistingRenters  will EVEN have the resource necessary to get you in the rent-to-own home you've always been looking for right here.

Assisting Renters – Resource Site

Rent-to-Own Consultants Boosting the Home Renter. Undoubtedly, the concept of rent-to-own will always be that major stepping stone into the ultimate goal of every home renter, home ownership. So it would make sense that such a service does exist to consult the prospective rent-to-owner and …

Want to Know if #UIP  Can Protect You With the Best of Them? Reviews are in. Alongside real winn…

Want to Know if #UIP  Can Protect You With the Best of Them?

Reviews are in. Alongside real winners like #LifeLock  and #IdentityGuard, there's no doubt: the Ultimate Identity Protection is the ULTIMATE, and here's why:

The post Want to Know if #UIP  Can Protect You With the Best of Them? Reviews are in. Alongside real winn… appeared first on Independent Credit Solutions.

The post Want to Know if #UIP  Can Protect You With the Best of Them? Reviews are in. Alongside real winn… appeared first on Your Rent-to-Own Consultants.

U.S. #Taxes : a Pay-as-You-Go System You know what that means? You have a deadline to pay taxes,…

U.S. #Taxes : a Pay-as-You-Go System

You know what that means? You have a deadline to pay taxes, but you can throw money to the Internal Revenue Service AS YOU GO throughout the year. Hence why your employer would send taxes via each paycheck, and at tax time, you either owe a little more extra, break even, or possibly get a refund.

But what happens when you're self-employed? What then?

Expect to keep up with the IRS yourself if you really think you'll owe more than $1K at tax time. You can get the help with deductions and credits, though, if you sign up with #ITPN (especially given the fact that you're self-employed!). You'll get 1099 (W-9) forms, obviously, and you'll be expected to make estimated payments on a quarterly basis — as if you're your own employer, paying those taxes right out of your paycheck every single time.

Sound like a lot of work? No worries. We can help.

10 Tax Return Tips to Accomplish With the Network

Actually, there should be 11 tax return tips here. But the first one is important. The first tip is to click on this article and READ.

Continue reading

The post U.S. #Taxes : a Pay-as-You-Go System You know what that means? You have a deadline to pay taxes,… appeared first on Selling Your Home With Social Media.

RTOR’s Latest Review: AssistingRenters.com

Comprehensiveness. That’s the name of the game when it comes to resources. As a home renter, too, without a doubt, you need resources. And not necessarily from a bunch of different places, no, sir. Try just one place. That makes it easy, convenient, simplistic, and minimal hassle on your end as a home renter. Because everyone knows […]

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#CreditRepair  at Its Best With Independent Credit Solutions #ICS Welcome to ICS, and we’re gla…

#CreditRepair  at Its Best With Independent Credit Solutions #ICS

Welcome to ICS, and we're glad to have you. Now it's time to get you on the track you want to be on with your credit and finances. And we have some good news for you: we're here to help you get it done independently and without spending hundreds and hundreds of your hard-earned money.

And how's that possible? Easy. Because YOU'RE IN CHARGE OF YOUR FINANCES.

Start today. Don't hesitate!

What Everyone Says About Independent Credit Solutions

Let’s sing KUMBAYA, shall we? Nothing but positive. That’s what we at Independent Credit Solutions love. And so does everyone else, apparently.

Secret Tips on How to Avoid Phishing Scams

In today’s technology-driven world, the internet plays a massive role in spreading information. However, there are certain people and things that everyone should be aware of while using the internet. People such as cyber-criminals implementing identity theft, credit card fraud and other vices deceive internet users into revealing sensitive and critical information unknowingly. What Is […]

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