Merry Merry Merry Ratios
The holiday’s are here! Credit cards can make shopping easy during this time. Especially with all the 0% interest offers that are out there right now!…
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Credit Repair Tips
Practical, plain-English guidance on disputing errors, removing negative items, and rebuilding your credit.
71 articles
¿Cuáles son las ventajas del buen crédito
A muchos de nosotros nos han dicho desde pequeños que tomemos decisiones que no nos perjudiquen a largo plazo. Algunas cosas obvias que nos dijeron son…
13 Steps to Buying Your Dream Home
Credit Services of America helps you buy a house with confidence, start on your path to home ownership and follow our guide! Start today!
5 Underutilized Ways to Fix Your Credit
Don't miss out on these crucial steps that most people miss when they are trying to fix their credit. Call us, get a free consultation today!
Having Trouble paying your Essential Bills? Read our blog for helpful tips
Find relief with our actionable tips on managing essential bills. Don’t let financial stress overwhelm you—help is here. Read our blog for guidance.
Why Is Having Excellent Credit So Important
Discover why excellent credit is crucial for your financial wellbeing. Learn the benefits and how to achieve top credit scores with our tips.
Credit
Credit, Who needs it? Why is it important? And how does it work? These are questions that most people only ask when they need to buy something on…
Keep Going
With inflation it is getting harder to make ends meet and you’re staring down a pile of bills. Take these four steps to pay your essential bills and…
You Still Time
We are halfway in to into 2023 and you may still have time to meet your credit goals. Your credit score will be a key contributor to whether you…
Soft Pull vs Hard Pull
Hard credit inquiries happen when you apply for a loan or credit card, while soft credit inquiries typically happen when you — or your employer or…
Credit Freeze
A credit freeze or a security freeze can help protect you from fraud and identity theft. It limits access to your credit report unless you ask to…
4 Tips to Improve Credit
Whether you’re feeling confident or anxious about your finances heading into 2022, your credit score will be a key contributor to whether you’ll be…
How Can I Rebuild Credit? Read our blog to get informed
First, its best to do an analysis on what’s Influencing your credit scores? Many factors can influence credit scores. Some of the most common credit…
These Tips Can Help You Improve Your Credit
The best way to improve your credit is to never miss a payment on any of your credit accounts, since payment history is the most important factor in…
11 Ways to Improve Your Credit on a Low Income
A low income doesn’t affect your credit score—but it can make it harder to pay your bills, which could lead to late payments or increased debt that can…
Why Do Employers Check Your Credit
Navigating Employment Credit Checks: Your Path to Professional Opportunity 💼🌟 Understanding Pre-Employment Credit Checks in Texas 🚀 Start My Free…
What Are Tradelines and How Do They Affect You
What Are Tradelines? For each revolving and installment credit account that you have, there’s a tradeline for it on your credit report. Revolving…
8 Ways to Improve Your Credit on a Low Income
A low income doesn’t affect your credit score—but it can make it harder to pay your bills, which could lead to late payments or ballooning debt that…
What’s the Best First Step to Build My Credit
The first step to building a credit history is to get a credit account. You won’t have a credit report until you have a credit history, and you won’t…
6 Reasons Your Credit Score Isn’t Increasing
Struggling with a stagnant credit score? Find out six common reasons why and how to fix them. Read our detailed guide to get informed and act!
Looking for a Credit Counselor? Here’s How to Find a Good One. Read our Blog to get informed
Credit counseling can help you improve your financial life by teaching you ways to efficiently pay off debt and create a budget that works for you.…
Why Is Your Credit Health Is Important? Read our blog to get informed
Having access to credit allows you the flexibility to get something now and pay for it later. Credit can help you do things like buy a house or a car,…
Here are 6 Lender Red Flags to Look Out For… Read our blog to get informed
Borrowing money—to purchase a home, buy a car, consolidate credit card debt and more—can benefit your financial life. But the process of getting that…
How Do Lenders View Your Credit
Credit checks are common when you apply for loans or credit cards, but you may wonder what a credit check actually reveals about you. When lenders run…
Credit Mistakes to Avoid When You Are Young
Good credit is always a plus, but it’s especially helpful when you’re starting your adult life. At that time—when you may need a new job, a car loan,…
Why Did My Credit Score Drop After I Paid Off a Credit Card
Did you credit score drop after paying off a credit card? Learn why this may have happened and what you can do to prevent it.
Why Good Credit
As we grow up, we hear it more often than not; Don’t use too much credit, do not open too many credit cards, don’t miss any payments, do not spend more…
New Credit
New credit makes up 10% of your overall FICO Score. Using credit has become a more noticeable trend in recent years. People tend to buy on credit more…
We Fight for You
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…
3 Tips To Better Credit
Make frequent payments If you are able to make small payments — often called micropayments — throughout the month, that can help keep your credit card…
Why Credit Repair
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…
How Long Will It Take To fix My Credit
Bad credit is defined as a credit history that includes negative remarks, such as late payments or charge-off accounts, which are damaging to your…
Keeping up with your credit
Keeping up with your credit. There are many myths about what can hurt your credit score, so let’s get back to the basics: What behaviors can have the…
Why repair my Credit
Having credit in the United States is vitally important for everything in daily life; from having a credit card for minor purchases, cheaper car…
Do the Math
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…
3 Great Reasons to Repair Your Credit
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…
Should I Fix My Credit
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…
Get In Control Of Your Finances Today
At Credit Services of America, we understand that health and welfare are top priorities, you may also be concerned about how current economic…
5 Tricks to Improve Your Credit Score
Discover five effective tricks to boost your credit score quickly. Learn practical tips that make a difference. Start improving your credit today!
How to Improve My Credit
You are protected from unfair practices by the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Those laws say, among other…
Tips To Fixing Your Credit
Pay down your revolving credit balances Nothing more important than payment your bills on time. However, a close second is lowering your credit card…
Is COVID19 Affecting Your Credit
Since April 2020, due to the pandemic, many consumers started experiencing financial hardship. Many consumers were laid off, lost employment, or had…
How Long Does Credit Repair Take
The time it takes to repair your credit can vary widely, depending on a number of factors – from how many mistakes you have to fix to what you want to…
How Does Credit Repair Work
Credit repair is typically a year long process that is designed to gradually raises your credit score. A credit score or FICO score is a number that…
Can old open credit accounts help my credit at all
As you may already know, 15% of your overall credit score is made up by your Length of Credit History. This means that the longer you have been…
Turn Your Credit Situation Around
If you have goals such as being a homeowner, having your own car, or paying for children’s college tuition, you will need money to do so. If you cannot…
Better Credit Better Life
You can improve your FICO Scores by first fixing errors in your credit history. Repairing bad credit or building credit for the first time takes…
MAXIMIZE YOUR CREDIT TODAY
It has now been more than a week since unemployed Americans stopped receiving the $600 federal boost. Republicans and Democrats are still battling it…
6 Easy Ways to Improve Your Credit Score
Explore six easy steps to enhance your credit score effectively. Simple, actionable advice for a better financial future. Improve your score now!
Your Credit in a Recession
Interest rates tend to fall during a recession to encourage borrowing and economic growth. How the change impacts you will depend on a variety of…
5 STEPS TO SHAPING THE FUTURE YOU WANT
How and if we recover will be a direct reflection of the quality and quantity of time we invest in recovery. Below are five considerations that will…
Your credit during COVID-19
Pay your bills on time if it is possible! Try to make at least the minimum payments required by the lender by their due dates every month. Making your…
8 MAJOR REASONS FOR CREDIT
Nearly 1 in 5 Americans are “credit invisible” or “credit un-scorable”. This means they either have no credit history with the main credit bureaus or…
Are you struggling during the COVID-19 pandemic
While the COVID-19 Pandemic is at its forefront in our world today, many of us are faced with challenges. A lot of us have experienced a loss of income…
What In The World Are We Going To Do Now
As a potential recession lurks, traditional banks and other financial institutions are tightening the reins on loans to households with shaky credit.…
Have you ever received advice and later realized that it wasn’t very good
Generally when most people find themselves so far into debt feeling they have no where to turn, a common advice is bankruptcy! Is this right? Although…
The Benefits of having good credit
So, what exactly do we gain by having a credit score over 700? Is this something we should strive for? These are questions that we tend to ask…
Chapter 7 VS Chapter 13
Chapter 7 VS Chapter 13 A Chapter 7 bankruptcy will discharge most types of unsecured debt. The trustee will try to sell any significant nonexempt…
Do we really have enough time
In loving memory of the Kobe Bryant, his daughter Gigi and all those affected by the horrific accident that took place January 26, 2020 I wanted to…
What’s your dream
In honor of Martin Luther King Jr. we want to ask you, what’s your dream? We all know what Martin’s dream was and the impact that it created bringing…
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…
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…
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…
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…
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…
Shoot for the Best
Here at Credit Services of America, we like to educate our client on the affects credit can have on your life. We do offer FREE CONSULTATIONS where we…
Hows does credit work
Here at Credit Services of America we have a dedicated team in different areas of expertise that make sure you are completely satisfied by the end of…
To do it now, or later
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The Long Run
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Raise the Roof
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Ready to take control of your credit?
Book a free consultation with a certified credit counselor. We review your reports, explain your options, and build a plan you can actually follow.