Free Credit Advice
CSA takes pride in helping our communities in which we service by providing FREE credit advice. Just call us and we can help you with:
>FREE assistance to pull your credit report
>FREE credit report education
>FREE credit and debt advice
Take your credit rating to another level or get out of debt with our help. We have helped many people just like you restore their credit and get out of debt. Get your life back and start living. We are one of the very few credit services organizations and debt management service providers that operate legally.
We have set the industry standard as a reputable organization that is built on a foundation of integrity, perseverance and an exceptional commitment to obtaining the best results possible for you. We are the leaders in this industry and you can trust us with your credit and financial life. Don't trust just any company but only the professionals at CSA. The experts in Credit Repair and debt management!
>Highest Success Rate
>Personalized Credit Coach
>100% Money Back Guarantee
>Fully Staffed Customer Support Team Dedicated To Your Success
Contact us if you're interested in attending our next credit seminar!
Top 5 Credit Myths:
Will your score will drop if you check your credit?
Fortunately, this one is definitely not true. Checking your own report and score is counted as a "soft inquiry" and doesn't harm your credit at all. Only "hard inquiries" from a lender or creditor, made when you apply for credit, can bring your credit score down a few points. Worried about damaging your credit while shopping around for a loan? Multiple inquiries for the same purpose within 30 days are grouped together into a less damaging period of inquiry.
Is closing old accounts is a good idea?
To close or not to close, that is the question. Many people advocate closing old and inactive accounts as a means of managing their credit. But they should think twice before closing the oldest account on their credit reports. Canceling old credit accounts can lower a credit score and debt ration there making the credit history appear shorter and with more debt. If you want to reduce your levels of available credit, ask for your credit limits to be lowered or close newer accounts instead.
Once you pay off a negative record, is it removed from your credit report?
Negative records such as collection accounts, bankruptcies and late payments will remain on your credit reports for 7-10 years. Paying off the account before the end of the set term doesn't remove it from your credit report, but will cause the account to be marked as "paid" but the late payments still hurt your credit score.
Is being co-signer make you responsible for the account?
When you open a joint account or co-sign on a loan, you are taking on legal responsibility for the account. Any activity on these shared accounts, good or bad, will show up on both people's credit reports. If you co-sign for a friend's auto loan and they don't make the payments, your credit profile will be hurt by their actions and visa versa. The only way to stop this double reporting is to refinance the loan or to have the creditor officially remove you from the account.
Is Paying off a debt will add points to your credit score?
Your credit score is calculated using a complex algorithm that takes into account hundreds of factors and values. It is very hard to predict how many points you can gain by changing one factor. For a person with a high credit score, just one late payment can cause a significant drop. If a person has a low credit score, it may not cause a large drop at all. Just keep paying your bills on time, reduce your debts, and have negative inaccuracies removed from your credit report. Good financial behavior and time are the two most important factors for your credit score.
5 Steps towards stronger Credit:
Self improvement is a great thing. Becoming a better public speaker can earn you a promotion. Going to the gym regularly can help you lose a few pounds. More importantly, managing your credit better can save you thousands on life's needed purchases. Managing your credit is not difficult, it just takes time and little knowledge about the credit scoring system. While each person's individual credit profile should be managed in its own way, there are five basic things that everyone can use to work towards having a stronger credit report.
Be punctual - Pay all your bills on time each month. Late payments, collections, and bankruptcies have the greatest negative effect on your credit scores.
Check your credit reports regularly and take the necessary steps to remove inaccuracies – Don't let your credit strength suffer due to inaccurate information. If you find an inaccuracy on your credit report ask us for more information about our customized 6-month program.
Manage your debts – Keep your credit card account balances below 30% of your available credit limits. For instance, if you have a credit card with a $1,000 limit, you should try to keep the balance owed below $300.
Give your self time - Time is one of the most significant factors that can build healthy credit. Establishing a long history of paying your bills on time and using credit responsibly is essential in obtaining an excellent credit rating. You may also want to keep the oldest account on your credit report open in order to lengthen your period of active credit use.
Avoid excessive inquiries - A large number of inquiries occurred over a short period of time may be interpreted as a sign that you are opening numerous credit accounts due to financial difficulties or overextending yourself by taking on more debt than you can easily repay. Apply for new credit in moderation.
It's important to always stay on top of all of your bills; your history of payments is the largest factor in your credit score. There may be circumstances which cause you to be unable to keep current with your bills – maybe an unexpected medical emergency or losing your job. Before being late for any payment, it is recommended that you reach out to your creditor; the creditor may be willing to work something out with you that you both can live with. If your creditors won't work with you, try to avoid having your account going so delinquent that the creditor charges it off, sells your account to a collection agency, or it becomes a judgment – you can never again get that account current once it charges off, becomes a judgment, or is turned over to a collection agency
We are always available to answer any of your credit questions are no cost! We operate under ALL statutes of the FTC and the Texas Finance Code. We are licensed and bonded for your protection for credit services and debt management.
We have the experience, expertise, tools, and a proven track record. We offer our members complete credit report repair, not just one piece of the pie that will leave you even worse and unhappy. To learn more about how CSA offers unparalleled service and quality, call us at 844-349-8727.
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