What if I already have my credit report & scores?

That is great! It's important to always stay on top of your credit report. You're on your game and on the right track for success. In fact, you're the perfect client for that simple fact!

However, yeah you knew it was coming, we have to get you to officially pull your credit scores from one of our credit sources. This is required by our property holders. We legally cannot allow you to bring in a credit report from a company outside of the given Credit Agencies below.

The best way to think of it is if you walked into any bank, car dealership, or even applied for a credit card, they still pull your credit scores. They have to because their lenders require it. They do not allow you to bring in your own scores for simple fraud reasons. Granted most ( I hope all ) would never commit fraud and change your report, the fact still remains your credit report has to be officially pulled.

The same reasons apply here. We have to get a "fresh look" at your scores. We've tried to make this as easy as humanly possible and we believe this has been achieved. We aim to provide options!

It's important you understand that we ARE NOT in the credit report/score industry. We simply utilize these companies to get your scores to us. We chose these companies because of their outstanding offers and their proven track record.

In the event you are worried that pulling your credit report is going to hurt your credit score, then you are misinformed. You pulling your own credit report DOES NOT hurt your credit score. Again, if you pull your credit report and scores, which you are doing now, it does not hurt your credit score. This is another reason we allow you to go get your scores from the Credit Agencies below. You win again :)

We cannot stress enough that we are aimed at getting you into a home that you can one day own instead of paying endless rental payments to your landlord. You earned that money and deserve to earn equity in the home.

Let's get you out looking at these homes! Go grab your scores and enter them at our Credit Score Entry Page.

>> Get Your Credit Score Free HERE

We want to make this the easiest house buying process you will ever go through. We know the red tape exists so that's why you need to follow our steps closely. We are the original COMPLETE Rent-To-Own solution, please be aware of bogus copycat systems! They can try to duplicate the process but they will never duplicate the results!

Click Here AFTER you get your credit report

Your Credit Report and Revolving Debt?

Since there are no bank qualification steps to go through in a Rent-To-Own / Lease-Purchase contract there is very little in the form of verificaiton needed. However, homeowner and investors still need to make sure they can feel safe going into a contract with a buyer (that's you!). One of these steps is your credit report. This will give the home-owner/investor an idea of your past credit experiences and more importantly see that you are on the road to building your credit back up to good standards. You will be asked to have your credit report on your first meeting with the home-owner / investor. Do not send in your credit report to OwnerWiz.

Your credit score is free as long as you get it through our provided sources. We will, however, verify that you have received a copy of your credit report before connecting you with a home. This is done simply by entering in your total revolving debt. Your total revolving debt can be found on the website we give you to get your Credit Report. You will enter in this amount on the revolving debt entry page found HERE. You will also be emailed this link along with proper instructions.

What is Revolving Debt?

Credit card debt is referred to as "revolving" credit because - unlike a mortgage, for example - it allows the borrower to carry a balance from month to month with no fixed number of payments set to pay off the balance. Additionally, a borrower can continuously add to the debt, up to a set credit limit. All the credit card company typically requires in return is a minimum monthly payment, most of which is just a payment on the interest owed, with as little as 5% or less going towards reducing the principle.

Revolving credit card debt is the source of many individuals' financial difficulties (and profits for credit card companies). Someone who routinely pays only the minimum monthly payment will be making little or no headway towards reducing the balance of their debt and can eventually find themselves with major financial problems.

Let's get you into a home tomorrow!

Former Habitual Renter - CEO & Founder of OwnerWiz, LLC