U.S. Credit Solutions

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Houston, TX
U.S. Credit Solutions

We repair credit inaccuracies and derogatory items on your credit report to give you a new start. We

01/17/2022

Taking the first step towards a new path can be scary because you don't know what the outcome will garner, however, stepping out on faith and entrusting the right people can lead you to the life you have always wanted.

You may not be able to see the whole staircase of achieving the excellent credit you desire but take step 1 and call us so we can begin to walk with you on this journey.

Thank you, Dr. King for you courage and your fight! Happy MLK Day.
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01/12/2022

Don't let errors on your credit report keep you from living the life you want. Contact US Credit Solutions TODAY and let's get started!!
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11/03/2021

As your coach used to say... Finish Strong!! There are 2 months left in 2021 so let's make sure that your credit score finishes strong.

Within the next 30-59 days, you can begin seeing an increase in your score. Are you ready to clean up your credit and potentially enter the 600, 700, or 800 club? We are READY to help you.

Click the link in our bio and let's get started TODAY!!
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10/25/2021

A little credit humor but for real...pay your bills 🤣

10/22/2021

The minimum payment for credit card accounts can vary from month-to-month. It’s typically calculated in one of two ways: As a percentage of your outstanding balance plus new interest and fees or as a fixed amount, whichever is greater. For example, say a lender charges either 1% of your balance plus interest or $25. If your balance for a statement period is lower than $25, you’d simply need to pay the entire balance. It’s important to check your statements to understand the policy for your specific card and issuer.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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If you can, paying the balance in full each statement period is the better option. If you pay off the balance in its entirety, it can help you save some serious money by helping you avoid costly interest payments. Paying in full may also help your credit score. In addition to consistently making on-time payments, you’ll be in the good habit of keeping your balances low across your credit card accounts. Your credit utilization, how much of your available credit you’re using, is an important factor in calculating your credit score. In general, the lower your utilization is, the better it is for your score.⠀⠀⠀⠀⠀⠀⠀⠀⠀
Source: Transunion⠀⠀⠀⠀⠀⠀⠀⠀⠀
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10/20/2021

Typically, the negative information on your credit report falls off 7 years after the date of first account delinquency. Bankruptcy information remains on your report for up to 10 years from the date filed, but it can be less depending on the type of bankruptcy. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Positive information remains on your report for up to 10 years from the date of last activity on the account. This information applies to installment accounts like mortgages and car loans, which are the types of agreements that have fixed terms on the number of years for repayment. For revolving accounts, such as credit cards, your positive history will stay on your report for as long as the account is active.⠀⠀⠀⠀⠀⠀⠀⠀⠀
Source: Transunion⠀⠀⠀⠀⠀⠀⠀⠀⠀
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10/18/2021

1. Approaching your credit limit will not negatively impact your credit scores. FALSE. Even if you pay off your credit cards every month, if your credit utilization ratio is high, it may impact your credit scores.⠀⠀⠀⠀⠀⠀⠀⠀⠀
2. It will always help my credit scores to close an account that’s paid in full. FALSE. If you have an old, rarely used account that demonstrates a strong payment history, it will be reflected in your credit history if the account activity is reported to the nationwide credit bureaus.⠀⠀⠀⠀⠀⠀⠀⠀⠀
3. You have a universal or overall credit score. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
FALSE. There are many different credit scores, and each may be calculated differently. In addition, your lenders and creditors may report data to all three nationwide credit bureaus -- Equifax®, Experian®, and TransUnion® -- just one or two, or none at all. That’s why your credit scores may be different among the three credit bureaus.⠀⠀⠀⠀⠀⠀⠀⠀⠀
4. Good credit scores do not necessarily mean your credit application will be approved. TRUE. Good credit scores aren’t a golden ticket. A lender may use information in your credit reports and other information included on your application, such as your income, to decide whether to grant you credit. ⠀⠀⠀⠀⠀⠀⠀⠀⠀
Source: Equifax⠀⠀⠀⠀⠀⠀⠀⠀⠀
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To learn more about credit and how it can be improved, click the link in our bio and let's get started TODAY!⠀⠀⠀⠀⠀⠀⠀⠀⠀
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10/14/2021

Ready to live debt free? Let us help you create a path to get there and increase your credit score.

Click the link in our bio.
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10/07/2021

Join us every Thursday as we provide you with credit education and answer your credit questions.

09/24/2021

The APR will be a factor in how much you pay to borrow money each month. In the case of credit cards, it’s especially important if you carry a balance from month to month. If you pay off your balance on time every month, you won’t be charged any interest. If, however, you carry a balance from month to month, you’ll be charged, based on the APR, for the unpaid portion.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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It’s easy to lump interest rate and APR into the same category, but they’re actually two different types of rates.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Your interest rate is the percentage charged on the principal loan amount. In the case of a credit card, that loan amount would be your card balance. Compared with interest rate, “APR is a broader measure of the cost of borrowing money,” according to the CFPB. It includes the interest rate plus other costs, such as lender fees, closing costs and insurance. If there are no lender fees, the APR and interest rate may be the same—and that’s typically the case for credit cards.⠀⠀⠀⠀⠀⠀⠀⠀⠀
Source: Capital One ⠀⠀⠀⠀⠀⠀⠀⠀⠀
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09/22/2021

Join us this Thursday and every Thursday as we discuss ways for you to improve your credit score.

09/21/2021

There are many entities that can check your credit so as the old saying goes, stay ready so you don't have to get ready.⠀⠀⠀⠀⠀⠀⠀⠀⠀
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To ensure you are always in a position to be approved, contact U.S. Credit Solutions today and let us get you set up to win! Click the link in our bio and let's get started TODAY!⠀⠀⠀⠀⠀⠀⠀⠀⠀
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Address

2026 Naomi Street
Houston, TX
77054

Website

http://bit.ly/uscsnow

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