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Excellent Credit Score = More Benefits!!!

Excellent Credit Score = More Benefits!!!

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...

Credit Scores!

Credit Scores!

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...

Reasons why your credit score may have dropped!

Reasons why your credit score may have dropped!

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...

3 Tips To Better Credit!

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 balances down and improve your credit. Making multiple payments throughout the month moves the needle on a credit...

“Why do I need a good credit score?”

“Why do I need a good credit score?”

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...

Do credit bureaus control my credit score?

Do credit bureaus control my credit score?

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...

Why Credit Repair?

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 to do so. It your right! But first, do your research before hand. We know that the credit repair industry is, sadly,...

Can I Consolidate my School Loans?

Can I Consolidate my School Loans?

Student loan consolidation is a way to combine multiple federal loans into a single direct consolidation loan. Credit Services of America can help with Student Loan Consolidation Program and help borrowers can streamline the bill-paying process, lower monthly payments...