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Buying a home is still a big part of the American Dream. And with rising rent prices, homeownership has become the more affordable option in many places… if you can qualify. Getting your credit right is a big part of becoming mortgage ready. And when it comes to lower...

Reason #1: Avoid risky alternative financing solutionsIf you need cash, financing is a good way to get it when you’re running short on income. You can finance a home renovation or a car repair or even an investment if you know how to make your money really work for...

If you have bad credit and you are wondering "how to fix my credit" it is probably because at some point you stopped paying any account in your name or because you already have too much debt. Let's be honest, fixing your credit does not happen overnight and if someone...

At Credit Services of America, we understand that health and welfare are top priorities, you may also be concerned about how current economic conditions might affect your financial situation. We encourage you to be proactive in monitoring your credit, staying on top...

You are about to rent that desired apartment. You saved up for the security deposit and already booked the moving truck. But have you checked your credit report? Rental homeowners may review it, so you should too. If a rental homeowner does a background check, there...

A credit score is a three-digit number that estimates how likely you are to repay borrowed money. Credit-scoring companies plug information from your credit reports into mathematical formulas that produce your credit scores.A low credit score may not keep you from...

To improve your scores, start by checking your credit scores. When you get your scores, you will also get information about which factors are affecting your scores the most. These risk factors will help you understand the changes you can make to start improving your...

1. Find Out When Your Issuer Reports Payment History:Call your credit card issuer and ask when your balance gets reported to the credit bureaus. That day is often the closing date (or the last day of the billing cycle) on your account. Note that this is different from...

You are protected from unfair practices by the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Those laws say, among other things, that your credit reports should not contain inaccurate entries; outdated information; or multiple entries for the...