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
So You Know What You Need to Do? ENROLL WITH INDEPENDENT CREDIT SOLUTIONS. Right now.
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 Counseling 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!
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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 a credit 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.
The post 8 Real Questions to Ask Your Prospective Credit Counselor appeared first on Your Rent-to-Own Consultants.
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 states. 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.
We’re sure you guys have heard about the BBB A-rated H.O.P.E. Program, right? Right. You’d have to be living on that second Earth planet NASA recently discovered in another galaxy (who knows: maybe H.O.P.E. can find rent-to-own homes there as well!) if you don’t know what H.O.P.E. to Own is. But here’s the deal: if you know H.O.P.E. to Own, you know they know they can lead you to the best credit repair services out there. That’s the major first task for a specialist there dedicated to maximizing the chances for a prospective homeowner in landing that mortgage: it’s all about the credit repair.
Well, Guess What: HOPE Now Has Its Own Credit Repair Division — Independent Credit Solutions
Now we’re in a completely different galaxy. But that’s a good thing. No supernovas here. The fact is this: H.O.P.E. to Own’s been working with credit repair for years. 640 or bust. If that credit score isn’t where it should be, your toast. Even as a home renter, you need to take advantage of those rent payments making a dent on your credit report, so you’re prepared to approach the prospect of a home mortgage for your time to buy, because — yes, it’s true — you’ll still need to get that approval for a home loan. Even with a rent-to-own, you still need to watch your credit! Those popular rent-to-own consultants even do a service in credit enhancement and monitoring to ensure you’re all set for the time when you’re ready to exercise your lease option to buy.
So it makes sense that the HOPE Program saw the likes of Independent Credit Solutions! HOPE, itself, wrote about it with pride, too. Not that Lexington Law wasn’t ever doing their job (they’re the cream of the crop, really). But in this case, it’s all about the H.O.P.E. specialists offering up a wealth of options for their customers. Plain and simple.
That’s Honestly Why the HOPE Program Gets Their “A” Rating
Credit repair’s looking good knowing that Lexington Law and Independent Credit Solutions are now helming that factor for homeowners all on their own. We approve, and so does this site with their review of the new credit repair service. We suggest you get in on the action right now, in fact. Because you never know what the universe will reveal to you. Perhaps your dream home in another galaxy!