Heard credit issue upset independent type (4,4)
I believe the answer is:
lone wolf
'independent type' is the definition.
(I've seen this before)
'heard credit issue upset' is the wordplay.
'heard' shows a homophone (sound like).
'credit' becomes 'loan' (I've seen this before).
'issue' becomes 'flow'.
'upset' is a reversal indicator.
'loan' sounds like 'lone'.
'flow' in reverse letter order is 'wolf'.
'lone'+'wolf'='LONE-WOLF'
(Other definitions for lone wolf that I've seen before include "He likes to operate by himself" , "one preferring his own company" , "One acting singly" , "Hunter away from pack" , "recluse" .)