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How To Add A Trade Line With Our No Credit Check
 Score Rebuilder Program
 @ IAMSL.net

About Us:
IAMSL has been in business for over 11 years and has helped thousands of people obtain consumer products with our No Credit Check Payment Programs (www.iamsl.net). We are now partnering with Credit Assistance Network (CAN) to help add installment loan trade lines to your credit reports with all three credit reporting agencies. This exciting program is very unique in the market and we are happy to partner with CAN.

Our Mission:
Our mission is to help you rebuild your credit for the future. We also want to be a resource for your credit repair representative to help you obtain the score you need.  A higher score will help you purchase a house/car and lower your interest rates for your home. You also will get some great products from us you can use in your everyday life, while rebuilding your credit, all at the same time!

Our Offering:
We offer a No Credit Check Financing program that reports your monthly payments to all three major credit bureaus to help rebuild your credit. Your credit score will not be a consideration in approving your application with our program.

Product Selection:
We carry a Huge Selection of name brand products. Currently there are over 127,000 items to pick from with your new open credit line!

  • Electronics-LED, LCD, Plasma TV’s, from 32 to 65 inches
  • Computers-Including Desktop, Laptop, All In One Computers, & Tablets
  • Appliances-Washers/Dryers, Refrigerators and Stoves all with Free Installation and Nationwide Delivery
  • Furniture -Bedroom Sets, Living Room and Dinning Room Sets,  Entertainment Centers and Much More
  • Jewelry - Wedding Sets, Trios, Engagement Rings available in White or Yellow Gold with Certificate of Authenticity and Gift Boxes
  • Tires-Over 14,000 Different Tire Sizes and Tread Styles including Street, All Season, All Terrain and Mudders
  • Custom Rims-16-24 inch available in Chrome or Black
  • Mattresses- Twin to Cal King Mattresses including Memory Foam or Inner Spring all with a 15 Year Non-Prorated Warranty
  • Mowers- 42 inch to 54 inch Riding Lawn Mowers and Self Propelled Push Mowers
  • Much, Much More.  
  • All Items are brand new with full manufacturer warranty.
  • Free delivery on all items in the USA


How We Fit Into The Market/Pricing:
We are much, much, cheaper than traditional rent to own companies that also offer No Credit Check programs but don’t report to all three credit bureaus. We are not always the cheapest compared to traditional retail who don’t offer this type of financing programs but we are always cheaper than a typical rent to own company.

Geographic Coverage:
We currently provide this program in15 states. You will need to currently reside in one of the following states:

California, Oregon, Washington, Utah, Arizona, South Dakota, Kansas, Missouri, Illinois, Wisconsin, Kentucky, Pennsylvania, Alaska, New Hampshire, Delaware.

Minimum Qualifications:

  • No real income minimums though credit lines can be effected by your provable income.
  • No time on job requirements though you must have some income source. For example, SSI/SSD/Pension/Retirement incomes are Ok. Self Employed,1099, and Regular W2 employees are also acceptable.
  • You must have a checking or savings account. We do not accept prepaid accounts or employee pay cards.
  • Checking or savings account must be open for at least six (6) months and must be in good standing with your bank.
  • Only one account (multiple items are ok) per bank account. You may combine your savings account and checking account to acquire two separate accounts under two differing names (spouse, significant other) from us that will report to all three credit reporting agencies
  • You may be asked to provide ID and/or income source.

Credit Reporting:
Your payments will be reported monthly to all three major credit bureaus.
Please note timely payments are VERY IMPORTANT! We are required to report all payments on time or otherwise.

Upfront Fees:
There is no upfront processing or administrative fee. You will be asked to pay a down payment equal to one month payment in advance prior to us shipping the item(s) but your down payment is not due till after the completion of the installment loan agreement.


Early Payoff Discounts:

  • We offer a short term one year payment plan.
  • HUGE discount to pay off early.
  • 90 days same as cash program.
  • Please seek advice from your credit repair representative to advise you on the best time to pay off early to maximize your credit score in your specific credit situation


  • Most UPS or FedExable items are shipped to you quickly and you will receive the items you purchase, on average in less than seven (7) days.
  • Larger items (furniture, mattresses, etc) can take a little longer as they are shipped LTL. Please ask us for details.

How To Get Started:

  • Please click here to complete the application.
  • Please visit our web site www.iamsl.net to see our selection of 127,000 items
  • It is VERY important that you complete the “CRO Application” using the link above to insure your payments will be reported to ALL three credit bureaus.
  • Please insert “CRO1005” as the Credit Repair Organization # when requested at the top of the application page.

Next Steps:

  • Upon receipt of your application we will notify you within one business day of your credit line and then assist you with your product selection.
  • An agreement specifying all terms and conditions will be emailed to you to complete, sign and return by fax.
  • Upon receipt of your signed agreement we will process your order and ship your merchandise.

This financing program is specifically designed to help people re-establish credit.  This will help raise your credit scores while not taking a credit check or inquiry. We work hand in hand with your credit repair organization (CRO) as part of the overall solution in helping you obtain your credit goals. 

If you have questions please feel to contact us at 1-866-300-2070 (Toll Free). We take calls from 9am to 5pm EST. Monday thru Friday. We are closed major holidays.

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