Our Blog

Child support, how it affects your credit.

Child support, how it affects your credit.

Delinquent child support can get listed as a tradeline, or account on your credit report. It is reported to credit bureaus directly by the municipality or agency collecting the debt. Delinquent child support can get listed as a tradeline, or account on your credit...

Why is good credit important?

Why is good credit important?

Credit, especially good credit, is very important. It affects almost every major buying decision. Good credit can help you get a good rate on a credit card, car loan or home mortgage. It can also help you when it comes time to sign an apartment lease agreement or...

Is Not Having Any Credit Bad?

Is Not Having Any Credit Bad?

Having no credit is not bad but it's also not good because you can find yourself struggling tremendously for a creditor to approve you for credit. When you have no credit, it means that you do not have anything reporting on your credit report at all, negative or...

Difference between credit bureaus

Difference between credit bureaus

Why are my credit score different between credit bureaus?   When credit reports were first developed, they were mostly listings of each individual consumer’s credit activity. Since that information required substantial analysis, and was often subjective, the...

Debt settlement VS Debt consolidation

Debt settlement VS Debt consolidation

Debt Settlement VS Debt Consolidation Debt settlement and debt consolidation are two forms of financial help for people struggling with more debt than they can repay. The two terms are often used interchangeably, which leads to a great deal of confusion on the part of...

Understand your credit card statement

Understand your credit card statement

Can you read and understand your credit card statement? Credit card issuers have a legal requirement to send your monthly credit card statement at least 21 days before your minimum payment due date. Billing statement usually consist of one or two pages containing all...

Merry Merry Christmas!!

Merry Merry Christmas!!

Who doesn’t love opening lots of presents for Christmas!! Big to small, we all love receiving presents and having the joy of unwrapping them on Christmas day!!  Here at Credit Services of America, we enjoy giving that same present to our clients!  We help our clients...

Before You Pay Off Outstanding Debt…Read This!

Before You Pay Off Outstanding Debt…Read This!

If you think paying off your outstanding debt will help, this is not necessarily the case. Sometimes all it does is reset the clock and impacts your history even harder! Here at Credit Services of America we want to tell you about three things you should know about...

You should start now!

You should start now!

Have you ever asked yourself, when is the right time to start working on my credit? We get that question asked many times and the answer to that is NOW! Always keep in mind that if you don’t have any credit it takes time to build it and for you guys that have credit...