Innovative Credit Consultants Services

Innovative Credit Consultants is consulting with clients right now-who are determined to improve their lives this New Year!  Everyone has resolutions seeking more stability and to feel good. Innovative Credit Consultants helps clients repair their credit so that they can be stable and have peace of mind.  Healthy credit is mandatory -and possible!

Stabilizing your credit is possible when you work with our credit repair experts. You really do have options with ICC. Visit us at icreditinc.com, benefit from a free credit report evaluation and a free credit repair consultation. Take a minute this year to learn about your credit repair options, anything is possible with healthy credit! 

Guess what-we are even offering a coupon-10% off y our service agreement for better credit! Make your New Year’s resolution count and boost your credit score.

Innovative Credit Consultants: Credit Repair Guide

Innovative Credit Consultants specializes in credit repair. We offer exceptional customer service, individual attention and customized repair plans. ICC is focused on results. We educate our clients. Our Credit Repair Guide is just one of our education tools. The Credit Repair Guide details the ins and outs of credit repair and gives you a good look into our standards. You can purchase our book or better yet, register with us at https://www.icreditinc.com/signup.htm. You can download the Credit Repair Guide for free when you register with us. Registering with ICC is the first step towards credit repair; once you register you can speak to a credit repair consultant for a free credit report analysis and consultation.

Free Credit Repair Analysis

Innovative Credit Consultants offers a free credit report evaluation. We will map out your potential score by creating a customary credit repair plan. Our free analysis focuses on your actual credit report before and after. We are devoted to customer care, which is why we offer a free analysis. We are also devoted to working towards removing inaccuracies. Our free analysis determines what is straining your credit score. Get your free analysis today and benefit from a worry-free forum offering education so you can understand your credit report and your options.

Review Your Credit Report

It is important for our credit repair specialists to review your credit report. In order to work on raising your score, we must first see your actual report.
You can up load your credit report to our site. Innovative Credit Consultants will evaluate it for free.
We will also provide you with a free consultation so you can understand you credit repair options.
We can’t help you unless we have a copy of your credit report. We encourage you to take the first step towards boosting your credit with Innovative Credit Consultants. Upload your credit report and register at https://www.icreditinc.com/signup.htm

FICO Credit Score

Do you know what FICO is? The FICO (Fair Isaac Corporation) Score is a mathematical equation used to evaluate risk and information contained in consumer files to determine one’s credit ranging in a number ranging from 300-850. It is formulated by the average of credit scores taken by the three national credit bureaus. Do you know what factors affect your credit score? Visit icreditinc.com for more information.

Not Paying Child Support Affects Your Credit

Did you know that not paying child support can affect your credit? According to www.essortment.com, if you do not pay on time, the company can report you to a credit bureau, potentially lowering your credit 20 to 30 points.  If you have fallen into this situation, get the advice you need. Visit icreditinc.com for a FREE consultation.

Transferring Balances

In the last post we mentioned transferring balances as a way to lower your debt payments but many people don't know the best way to transfer balances, even less, what transferring a balance is. Take a look at this article to learn more about transferring balances.

Types of Credit Cards

The days of credit cards used to be so simple. Now, with all the options and perks available with a myriad of cards, it is hard to sift through the complexities in order to obtain the perfect one to suit your needs. Below, is a list of the various types of credit cards available to you. Take a look at this article to understand the difference between them all.

Standard Credit Cards
     *Balance transfer credit cards
     *Low interest credit cards..

Credit cards with rewards programs
     *Cash back credit cards
     *General reward points credit cards
     *Hotel or travel points credit cards
     *Retail rewards credit cards
     *Gas cards with points or rebates
     *Automobile manufacturer rewards cards
     *Home improvement rewards credit cards

Airline mile / frequent flier credit cards
     *Airline-specific credit cards
     *Generic airline miles cards

Bad credit and/or credit repair cards
     *Secured credit cards
     *Prepaid credit cards

Specialty credit cards
     *Business credit cards
     *Student credit cards

Shopping!

Tis the Season to shop and worse, create excuses to shop.  Reviewing your finances, creating a budget and following a shopping plan that falls within a budget is the best way to avoid Post Holiday Regrets.  We understand many people want to buy for others and sales make it seem ok.   But think ahead to after holiday season and the consequences of spending.  Don't max out your credit cards, it feels good now but horrible later.  Your credit needs you to be frugal too!

Good luck and don't over spend!

5 Words Never to Say to Your Lender

With many lenders getting bought up or going out of business, the standards for obtaining a loan have gone up tremendously. One can't even hope to obtain a loan with a credit score under 750. Other factors can contribute to the denial of your loan request. These are the five words NEVER to say to your lender: 

Desperate
Unemployed
Entrepreneur
Back Taxes
Gambler

Take a look at this article from Walletpop.com explaining why these words are taboo to lenders' ears.

Saving Tidbits

Though starting out at a low, stocks are pushing up back to neutral, the economy is plenty stimulated thanks to Black Friday and Christmas coming up and things are starting to look up. But don't go throwing your savings out of the window, just yet. Yahoo financial expert Robert Kiyosaki says that the long term effects of today's financial issues will negatively affect factors like your 401(k) plan and taxes. Check out this article to find out future risks and the silver lining of it all.

Black Friday

There are many sales that go on during the year, but perhaps Black Friday is the most popular day to shop for good deals.

It is at this moment we all look at prices and spend and charge because the deals are good...but it does not mean the person spending can afford to spend.

If you can afford to shop take advantage of the sales, if you can not afford to shop don't dig a deeper hole and be suckered into a good deal that is ultimately bad for you.

Don't run up your credit cards this black Friday, the first is around the corner which means we will all have bills to pay already for last month!

ICC Supports Red Cross Programs in Haiti

Innovative Credit Consultants operates with a help clients first mentality. 
ICC has become a success because our work ethic does not exclude heart.

When we heard about the horrific tragedy caused by the earthquake in Haiti,
we wanted to reach out.  Our success is worthless if not able to serve the greater good of mankind.

The executive board of Innovative Credit Consultants has donated thousands of dollars to
Red Cross initiatives:  Haiti Relief and Development and the Disaster Relief Fund. 
These programs offer assistance in various ways: financial support, food, shelter, medical attention, and rebuilding the communities. You can learn more about these Red Cross programs by visiting http://www.redcross.org/en/.

In the words of Winston Churchill: "We make a living by what we get, but we make a life by what we give."  The ICC family recognizes that it is through working with our clients that we have been able to make this contribution. Innovative Credit Consultants cares and will be offering continued support to the Red Cross.