302-262-8005

hello@paytoncreditservices.com

You Deserve to

Have a HOME!

Back in 2011, Shannon and her husband welcomed their second son into the world but what should have been a joyous occasion ended up being a time of uncertainty. Three weeks after his birth they were homeless and needed a solution that would allow them to house their family and save money to purchase a home. One year later they were able to reach their goal and purchased their first home. This experience fueled Shannon to start Payton Credit Services. Our goal is to provide education to individuals who would like to learn a realistic way of bettering their finances, housing and work life. As a result they will be able to purchase, sell or rent a home and feel a sense of community. Since then we have been able to successfully help 100s of families successfully qualify for home loans.

Our owner, Shannon Payton has been a credit advocate in helping 100s of families sell and buy new homes. In addition she is known for educating consumers for better decision making. Shannon has had her share of lemons but has used them to help others avoid those same pitfalls. Payton Credit services focuses on numbers and we strive ourselves to treat every client like family.

You're probably wondering how this all works. Well, it truly is a simple process because we do the leg work for you!

EXAMINE THE REPORT

Identify inaccurate credit reporting that may be impacting your credit score with the credit bureaus

PERFORM NECESSARY STEPS

Create and mail letters to the credit bureaus to determine if the credit reporting is accurate. If not we will challenge the reporting

WAIT FOR RESULTS

Provide ongoing support to help you build credit and understand how to build it properly.

You Deserve TO

HAVE A HOME!

You're probably wondering how this all works. Well, it truly is a simple process because we do the leg work for you!

EXAMINE THE REPORT

Identify inaccurate credit reporting that may be impacting your credit score with the credit bureaus

PERFORM NECESSARY STEPS

Create and mail letters to the credit bureaus to determine if the credit reporting is accurate. If not we will challenge the reporting

WAIT FOR RESULTS

Provide ongoing support to help you build credit and understand how to build it properly.

REPOSSESSIONS

It is the action of retaking possession of something, in particular when a buyer defaults on payments.

BANKRUPTCY

Bankruptcy is a legal proceeding involving a person or business that is unable to repay their outstanding debts.

COLLECTION

A collection is when you stopped making payments on certain account and the original credit sells your account balance to a collection agency.

TAX LIENS

A tax lien is a legal claim against the assets of an individual or business that fails to pay taxes owed to the government.

CHARGE-OFF

A charge-off means the lender or creditor has written the account off as a loss, and the account is closed to future charges. It may be sold to a debt buyer or transferred to a collection agency.

STUDENT LOANS

A student loan is a type of loan designed to help students pay for post-secondary education and the associated fees, such as tuition, books and supplies, and living expenses.

MEDICAL BILLS

Medical debt can negatively impact your credit score because by the time it shows up on your credit report, the debt has already gone to collections.

LATE PAYMENT

A late payment is an amount of money a borrower sends to a lender or service provider that arrives after the date that the payment was due or after a grace period for the payment has passed.

REPOSSESSIONS

It is the action of retaking possession of something, in particular when a buyer defaults on payments.

BANKRUPTCY

Bankruptcy is a legal proceeding involving a person or business that is unable to repay their outstanding debts.

COLLECTION

A collection is when you stopped making payments on certain account and the original credit sells your account balance to a collection agency.

TAX LIENS

A tax lien is a legal claim against the assets of an individual or business that fails to pay taxes owed to the government. In general, a lien serves to guarantee the payment of a debt such as a loan, or in this case, taxes.

CHARGE-OFF

A charge-off means the lender or creditor has written the account off as a loss, and the account is closed to future charges. It may be sold to a debt buyer or transferred to a collection agency.

STUDENT LOANS

A student loan is a type of loan designed to help students pay for post-secondary education and the associated fees, such as tuition, books and supplies, and living expenses.

MEDICAL BILLS

Medical debt can negatively impact your credit score because by the time it shows up on your credit report, the debt has already gone to collections.

LATE PAYMENT

A late payment is an amount of money a borrower sends to a lender or service provider that arrives after the date that the payment was due or after a grace period for the payment has passed.

Back in 2011, Shannon and her husband welcomed their second son into the world but what should have been a joyous occasion ended up being a time of uncertainty. Three weeks after his birth they were homeless and needed a solution that would allow them to house their family and save money to purchase a home. One year later they were able to reach their goal and purchased their first home. This experience fueled Shannon to start Payton Credit Services. Our goal is to provide education to individuals who would like to learn a realistic way of bettering their finances, housing and work life. As a result they will be able to purchase, sell or rent a home and feel a sense of community. Since then we have been able to successfully help 100s of families successfully qualify for home loans.