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Finding a mistake on your credit report is the worst, especially because how to fix it isn’t immediately obvious. The last thing you want is a clerical error tanking your credit score.Credit Services of America has a proven system for disputing negative items on your...

We often hear "reach 700+ FICO credit score to get the best deals!". But what exactly does that mean? What exactly do we gain by having a credit score over 700? Why is this number so important and why should we strive for it? These questions are often look at as a big...

Having an excellent credit score opens the best doors to financial freedom. FICO scores range from 300 to 850 points, the higher the better. If your credit score is not close or above 800 points, you should know what constitutes a good credit score that will allow you...

Your credit report contains errors!Every month millions and millions of pieces of data arrive at the credit bureaus to be posted. Most of the time there are 8-10 errors. A misspelled name, a mixed-up account in the lenders’ records, a “junior” that should have been...

Make frequent payments If you are able to make small payments — often called micropayments — throughout the month, that can help keep your credit card balances down and improve your credit. Making multiple payments throughout the month moves the needle on a credit...

In most cases debt is inevitable, When going thru rough financial times, more often than not, we seem to see very limited options available to us. When debt overtakes or day to day life, and when it seems there is no light at the end of the tunnel, we enroll in one of...

You may not need a credit history for now, perhaps you are not even thinking about how to improve your credit score. But at some point you will find a fantastic opportunity and you cannot access it because you do not have good credit. Imagine, what happens if you need...

Credit bureaus, do not determine your credit score. Credit scores are calculated based on third-party credit-scoring models. They use information from your credit reports, including credit activity sourced from credit bureaus, to calculate a credit score. Your credit...

Credit repair is a legitimate service that is protected by federal law. You have the right to repair your credit, and there are many good reasons why to do so. It your right! But first, do your research before hand. We know that the credit repair industry is, sadly,...