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 Those laws say, among other things, that your credit reports should not contain inaccurate entries; outdated information; or multiple entries for the...

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...

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...

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...