Common Scams During The Holidays
The holidays bring joy, vacation time, and overall good vibes, people generally are in the spirit of giving but it’s not all hot chocolate and gifts.…
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Financial Planning
Budgeting, saving, avoiding scams, and preparing your finances for big purchases like a home or car.
58 articles
There are many factors to consider when choosing a Credit Card
You may be wondering what is the right credit card for me? With so many types of cards, it might be hard to find the right one. There are many things…
Common Scams During Holidays
The holidays bring joy, vacation time, and overall good vibes, people generally are in the spirit of giving but it’s not all hot chocolate and gifts.…
Prep for the Holidays Now
The holiday season is a few weeks away , and holiday spending can be a huge problem. Gift shopping can bring more stress apart from the stress of bills…
Is your family aware of Online Scams
Is your family aware of Online Scams? Parents need to protect their children from digital scammers by learning, teaching and making your kids aware you…
How many credit cards should one have
We normally recommend three cards: two that you carry with you and one that you store in a safe place at home. This way, you should always have at…
Extra money
When you have extra money, do you wonder if you should pay off your credit cards and close them or make an extra payment or two. Some people believe…
When choosing a credit card, there are many factors to consider
You may be wondering what is the right credit card for me? With so many types of cards, it might be hard to find the right one. There are many things…
What should you know before you start to apply for a loan
What should you know before you start to apply for a loan? Before you start trying to get a loan, there are certain things you should consider. The…
Credit and identity fraud, what steps can you that to avoid it
Nowadays virtually everything is done over the internet. And because of this, it is getting easier for criminals to steal your credit or identity. But…
Should I close Credit cards I do not use anymore
The credit card dilemma. Should we close credit cards that we do not need anymore, we just do not want to pay the credit card fees anymore, or maybe we…
How to build my credit using a credit card
There are many ways we can build our credit. One of the easiest ways to build your credit, would be with credit cards. Using credit cards for your…
Budgeting on a low income
Master the art of budgeting on a low income with our practical tips and strategies. Learn how to stretch your finances further without stress!
What’s the right credit card for me
You may be wondering what is the right credit card for me? With so many types of cards, it might be hard to find the right one. There are many things…
The Pros and Cons of Opening New Credit Cards to Increase Available Credit
Opening a new credit card will give you more available credit to use, and will also help balance out your credit utilization rate. It will also…
Is paying off your Credit cards quicky a good thing, or should we just take our time to pay them off slowly
You may be wondering, if you should pay off your credit card debt with your Christmas bonus, or just make an extra payment or two. People believe that…
Holiday Scams and Identity Protection
The holidays bring joy, vacation time, and overall good vibes, people generally are in the spirit of giving but its not all hot chocolate and gifts.…
Smart Holiday Spending
The holiday season is here, and holiday spending can be a huge problem. Gift shopping can bring more stress apart from the stress of bills and your…
Credit Cards Good or Bad
Credit cards may seem convenient, and sometimes even necessary but what are the advantages and disadvantages of owning credit cards . Some credit cards…
3 Steps To Saving Money
Saving money is important if you want to become financial stable, whether you are saving towards your dream home or in case of an emergency. The Idea…
How to Teach Your Kids About Online Scams. Read our blog to get informed
If it’s for home-school, gaming or connecting with friends, getting online is a part of everyday activities for most kids. But even the smartest kids…
What Personal Information Can Be Used to Commit Identity Theft? Read our blog to get informed
Identity theft happens when a fraudster uses your name, address, bank account information, credit card details or other types of personal data without…
Steps to Take before Renting,
The time has come to rent an apartment, but you don’t know how to get started. Before you start looking for an apartment you want to take some steps…
What to Know About Filing Bankruptcy
Considering bankruptcy? Know what it entails and how it affects your financial future. Our blog provides the critical information you need.
Can I Buy a Home After Foreclosure
How Foreclosure Affects Your Credit Lenders consider a foreclosure to be a serious derogatory event on your credit report. Generally, banks don’t start…
Ways to Get a Lower Mortgage Interest Rate
As you’ve likely heard in news reports, the Federal Reserve plans on raising interest rates in March 2022. If you are looking to buy or refinance a…
How to Prevent Debit Card Fraud
Consumer reports of debit card, electronic funds transfer and ACH fraud were up 32% in 2020 compared with 2019, according to Federal Trade Commission…
Steps to Help You Navigate the Homebuying Process
For many people, homeownership is an ultimate financial and life goal. While it’s a worthy aspiration, it’s easy to underestimate how complex and…
6 Ways to Make Money With Your Savings. Read our blog to get informed
Do you have extra money in savings? You can put your savings to work building passive income through interest. As you focus on creating long-term…
When Should You Get Preapproved for a Mortgage? Read our blog to get informed
Prospective homebuyers know the importance of “location, location, location,” but timing can be critical too. Securing mortgage preapproval at the…
Best Ways to Prepare Your Finances for Holiday Spending. Read our blog to get informed
Winter is not here fully yet, but retailers are already starting to flood your mailbox and inbox with holiday shopping suggestions. Now’s the time to…
Can You Get a Car Loan to Buy From a Private Party? Read our blog to get informed
This time and into next year the demand for used cars is high and supply is limited. With fewer options available and the average used car priced at…
Should I Get a Credit Card? Here’s When It’s a Good Idea… Read our blog to get informed
Carrying the responsibility of a credit card in your wallet isn’t a decision to take lightly. Credit cards can be a crucial component in building…
Shipping Scams That Could Ruin Your Holidays. Read our blog to get informed
With the holidays fast approaching, millions of American households will be sending and receiving gifts, payments, and notes that often include…
Can You Build Credit with a Debit Card? Read our blog to get informed
Even if you’re using your debit card responsibly and have never overdrawn your bank account, the purchases made with a debit card do not normally help…
CARES Act benefits are ending soon
If you’re one of the millions of Americans receiving unemployment due to the COVID-19 pandemic, you may already know that some of the COVID-specific…
What to Consider When Choosing a New Credit Card
There’s a lot to consider when you’re looking for a new credit card. Choosing the right one can depend on a card’s features and fees, along with your…
How to Talk to Your Kids About Money
How to Talk to Your Kids About Money? Studies show that children—even college-age children—don’t have basic skills and knowledge when it comes to…
Should I Buy a New Car or a Used Car
The decision to buy a new or used vehicle can be a complicated question. A vehicle is a big purchase, so it’s important to do your due diligence to…
Will a New Credit Card Affect My Mortgage Application
Opening a new credit card account when you’re trying to get a mortgage can complicate your loan application. A new account may cause your credit score…
Is It Better to Pay My Credit Card Bill Weekly or Monthly
It’s best to pay off your credit card’s entire balance every month to avoid paying interest charges and to prevent debt from building up. While it’s…
Why Did My Credit Score Drop When I Paid Off a Loan
Paying off a loan can be a big relief—but if you monitor your credit scores, you might be surprised to find your scores don’t improve. In some cases,…
Why You Should Build Good Credit Even if You Aren’t Planning a Major Purchase
Building good credit is essential, even if you're not planning major purchases. Find out why and how it can save you money in the long run.
How Common Is Identity Theft
What Are the Most Common Types of Identity Theft? Although there are many types of identity theft, most fall into these main categories: Unauthorized…
What credit score is required to qualify for a house
Prospective home buyers should aim to have this credit score to qualify for the best interest rates on mortgages. However, the minimum credit score…
Are you about to rent? Prepare yourself and avoid surprises
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…
Shopping for a New Home
In 2020 the housing market has seen an increase in requests for loans. Oddly you might expect a decrease due to the pandemic. Not so according to many…
How Can Fixing Your Credit Help You Start A Business
Today many people are struggling to make ends meet especially due to the pandemic. The are many layoffs and people are seeking ways to supplement or…
My Student Loans Crashed My Credit Score
The CARES Act — a federal stimulus bill passed in response to the COVID-19 pandemic — provides for significant student loan relief. Specifically, the…
Higher Scores Required for Mortgages
Mortgage lenders are taking less risks during this time of COVID-19. Most of them have raised their credit score limits to approve applicants for a…
Is it possible to buy a home with bad credit
While there are several options for getting a mortgage with bad credit, there will be compromises you’ll likely have to make. What it boils down to is…
Protection for renters
As our world is getting ready to open back up for businesses. There is no denying that many out there are still struggling to get back on track with…
The CARES Act starts with You
As the IRS continues to distribute checks for the first stimulus check form the CARES Act, you have probably read articles about how a second stimulus…
Covid-19 and My Mortgage
My Mortgage is late! Now What? Should I request mortgage forbearance?If your income has not been affected by the pandemic and you are in good standing…
Why are Secured Cards so valuable to your credit
Here at Credit Services of America we like to educate our clients on different ways they can start building their credit and improving their score. One…
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…
We recommend secured credit cards
Here at Credit Services of America we like to educate our clients on different ways they can start building their credit and improving their score. One…
Can I Finance A Home With Bad Credit
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