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 of your personal finances, and using resources that may be available to you.

With that in mind, here are some steps you can take now to help keep your credit on solid footing.
Pay all your bills on time if possible. While we know it may get difficult, try to make at least your minimum debt payments by their due date every month to avoid hurting your credit score. Do your best to make your payments on time, even if you’re only meeting your creditors’ minimum requirements.

Contact your lenders for help. Lenders may be able to temporarily lower your interest rate or payment amount or pause your payments for a period of time. Lenders may also be able to place your loans in deferment or forbearance. You don’t have to make loan payments when a loan is in deferment or forbearance, and the lender will not report late payments to the credit bureaus.

Additionally, an account being reported as in forbearance or deferment will help minimize the impact to the credit score if the account is in good standing and hasn’t had previous delinquencies reported—this can help protect your credit history and credit scores. That’s why Credit Services of America is urging all consumers who are in financial distress as a result of COVID-19 to contact us for a free consultation to help make sense of your current situation.

Check your credit regularly. Especially now, making sure your credit reports are accurate is critical. You can get a free copy of your credit report from each bureau once a week till April 2021 at

Be extra vigilant about protecting your identity. Identity theft and related scams often spike during times of crisis, so it’s especially important now to protect your personal information. Utilizing credit monitoring services will help with constant alerts when someone has accessed your credit.
Seek financial assistance. The team at Credit Services of America educates its clients while working to dispute these negative items on your credit report. We offer services to help you repay your debts in a manageable way.

Today more than ever, Credit Services of America advises to start looking at your credit as a way of life. So many of us neglect the importance of credit and the repair of it. Many people start considering their credit only when it comes time to make a purchase, this however may be to late.

A Goal without a Plan is just a Wish. Give us a call TODAY at 844-FIX-URCR or click on the following link to schedule your FREE consultation and create your personalize plan to achieve your credit and debt GOALS!

*Individual results may vary. Please call for more details and to discuss your own individual situation.