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Get In Control Of Your Finances Today!

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 conditions might affect your financial situation. We encourage you to be proactive in monitoring your credit, staying on top...

WHAT IS A FICO SCORE?

WHAT IS A FICO SCORE?

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...

Improve Your Credit Scores!

Improve Your Credit Scores!

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...

5 Tricks to Improve Your Credit Score

5 Tricks to Improve Your Credit Score

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...

How to Improve My Credit?

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 Those laws say, among other things, that your credit reports should not contain inaccurate entries; outdated information; or multiple entries for the...

Best Secured Credit Cards To Re-build Your credit

Best Secured Credit Cards To Re-build Your credit

Secured credit cards can be a good option for building or rebuilding your credit. There are five benefits that stand out for consumers with blemished credit or no credit at all. 1.You can often get approved for a secured credit card when you can't get approved for a...

How Does Inquiries Impact Your Credit?

How Does Inquiries Impact Your Credit?

The first step in acquiring credit is a credit inquiry. Hard inquiries impact 10% of your overall credit score. So you’re looking to take advantage of the benefits of a specific credit card. Maybe you are trying to move in into those luxurious apartments. How about...

Tips To Fixing Your Credit!

Tips To Fixing Your Credit!

Pay down your revolving credit balancesNothing more important than payment your bills on time. However, a close second is lowering your credit card balances. If you are in the “Rebuilding” phase of fixing your credit your credit card balances should not be more than...