We Will Report Your Monthly Payments To All Three Major Credit Bureaus
Adding A Trade Line or Credit Account Is A Very Important Step In Improving Your Credit Score
Improving Your Credit Score With Your New Trade Line Will Help You Qualify For A Home Mortgage, Car Loan, Better Interest Rates Or A Small Business Loan through other financial institutions
What We Do For You
We Offer A No Credit Needed Financing Program That Reports To All Three Major Credit Bureaus. You Can Purchase From Over 127,000 HouseHold Items To Enjoy Including Electronics, Appliances, Tires, Lawn Mowers, Furniture, Computers & Much More.
This Program Is Specifically Designed To Help You Obtain Your Credit Score Goals, Purchase A HouseHold Item You Can Use and Enjoy, All While Raising Your Credit Score At The Same Time
How this works
Simply Complete An Application Online (Open An Account). We will determine your credit line if you are approved
Choose one our 127,000 items
Complete and sign the agreement we will email to you.
Pay for the item monthly on time to our Financing Partners
Our Financing Partners will report your monthly payments to all three major credit bureaus
Work with your credit repair organization, real estate professional, mortgage professional or banking institution to watch your credit score grow. Get a Home, Car or obtain your other credit score goals.
Who We Are
We have been in business since 2001 providing No Credit needed financing to thousands of customers nationwide.
We are a much much cheaper alternative, with a much larger selection and lot more private answer than traditional rent to own companies.
Best of all, our very unique solution allows our financing partners to provide No Credit needed financing that reports your monthly payments to all three major credit reporting agencies.
If you make your payments on time it will help you raise your credit score to possibly obtain a home, car, lower interest rates, or even a small business loan.
Why Choose Us?
Our solution is very unique and is part of an overall solution to help you obtain your credit score goals.
We are NOT a credit repair company.
We simply help you obtain a loan that is reported to all three credit bureaus while getting a really nice product from our HUGE selection of over 127,000 items.
How will this be reported to the credit bureaus?
Monthly payments will be reported to Experian, Equifax, and Transunion as an installment credit line.
These three major reporting bureaus are the three most used by a mortgage, real estate, auto financing, credit card companies and banking institution to determine credit eligibility for your future credit purchases.
Will I need a down payment?
Yes, a payment equal to the monthly payment will be required prior to shipping your item.
This payment can be made on a debit/credit card on a date you desire and only after you have signed and returned the installment agreement to us.
What are the minimum requirements to apply?
You must have current residency in a qualifying state.
You must have a provable income and either a current checking or savings account.
Prepaid checking accounts are not accepted.
There is no time on job requirements. W2, SSI, SSD, Pension, Self Employment, 1099 Income are all acceptable.
Military Income is acceptable.
If you have legal residence in a non qualify state but currently live in a qualifying state that is acceptable (proof of current residence may be requested).
Credit Score will NOT be taken into consideration nor will there be a credit inquiry on your credit report to determine eligibility and/or issued credit line amount.
What happens after I complete my application?
We will communicate to you by phone and/or email your credit eligibility and/or credit line within one business day (not including federal holidays).
You may use that credit amount to purchase any of the items on our website.
We will go over the terms and conditions in detail by phone with you.
Then email you a written installment agreement to complete and return to us the signed agreement by fax/scan or email (some state regulations differ).
We will then process your order and ship your item to your home.
A down payment equal to the monthly payment will be required prior to shipping the item.
Monthly payments will then begin one month later and will be deducted from you checking or savings account on the specified date per your written agreement and authorization.
IMPORTANT-Your timely payments will help your credit score for your other financial goals.
We are required to report all payments on time or late to the credit reporting agencies.
If you make late payments it may drive your credit score down.
Please do not move forward to purchase an item from us if you do not intend on making timely payments.
Is this a guaranteed approval program?
No. We do not guarantee approval.
Our financing partners do not care what your credit score is, but make a determination based on the information you provide on the application and non traditional proprietary underwriting guidelines.
A lot of our customers are approved, our financing partners do understand past late payment issues you may have had in the past.
Even though not all our customers are not approved we do help a lot of people.
* Not all items are available for "90 days same as cash." Please contact a customer care specialist for details.