[et_pb_section fb_built=”1″ _builder_version=”3.22″][et_pb_row _builder_version=”3.25″ background_size=”initial” background_position=”top_left” background_repeat=”repeat”][et_pb_column type=”4_4″ _builder_version=”3.25″ custom_padding=”|||” custom_padding__hover=”|||”][et_pb_text _builder_version=”3.27.4″ background_size=”initial” background_position=”top_left” background_repeat=”repeat”]The holiday’s are here! Credit cards can make shopping easy during this time. Especially with all the 0% interest offers that are out there right now! Tempting! It might seem like they give you an endless amount of money to spend, but it’s important to remember that credit cards come with credit limits. And how close you come to reaching that limit has an effect on your credit score.

Your debt-to-credit ratio and how much debt you carry together make up 30% of your FICO score. This means that you might want to steer clear of your credit limits. It’s best to have as LOW a credit utilization ratio as
possible.  In short, a high debt-to-credit ratio can drive down your credit
score. “Naughty, naughty!”

To stay off the “naughty list,” ideally you want to keep your
debt-to-credit ratio 0% to 10%! Example if your cards limit is $4000 you
want to make sure the balance on the card is $400 or less. A low
debt-to-credit ratio is an important part of maintaining a strong credit
score! Jingle all the way!

Here at Credit Services of America, we are the only place in the region that is licensed and bonded to help with credit repair, debt settlement, student loan consolidation and credit trade lines all under one roof. We begin with one of our FREE CONSULTATIONS, where we learn about you and your goals. We then set up a plan on how together we can help you achieve your dreams!

A Goal without a Plan is just a Wish. Give us a call TODAY at 844-FIX-URCR or click on the following link creditservicesofamerica.com 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