Category: credit score

How to Raise Your Credit Score Fast

A bad credit score can cause all kinds of financial and stressful situations. We can help you better manage your debt and raise your credit score!


Protect your Identity

Identity Theft is quickly becoming one of the most organized


Your Credit Score after Debt Consolidation

If you're considering debt consolidation it's important to understand how it may impact all aspects of your financial health including your credit score. Debt consolidation can be helpful in paying of


Did you Get a Deferment Due to COVID, but Now Your Credit Report is Showing Past Due?

My Credit Cards and Loans were put on deferment due to COVID but now they are reporting past due on my credit. What can I do?


How is Your FICO Calculated?

FICO Scores are calculated using many different pieces of credit data in your credit report.


The Difference Between a Hard Credit Pull and a Soft Credit Pull

There are two different types of credit pulls that can show up on your credit report in the inquiry section:  hard and soft inquiries also known as pulls.


Reduction In Credit Limit

With everything going on right now in your financial world keeping track of your credit is important.


Should you apply for a retail store credit card?

For starters, a retail store credit card is a physical charge card that gives you credit for a specific retailer.  The amount of credit given can vary depending on your current credit score. More cre


UltraFICO

Consumers with low credit scores may soon have a way to boost that three-digit number! A new product is supposed to become available in Summer 2019 and it will be geared towards consumers with low cre


4 Financial New Year's Resolutions

It’s a situation familiar to many Americans: After indulging


Smart Checking Program

CCCS of Rochester has been partnering with financial institu


How Many Credit Scores Do I Have?

Often we hear from our clients that they checked their credit score through a free site such as Credit Karma and were shown a high credit score but ye


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