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CREDIT EDUCATION
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At KC Credit Services, one of the primary things we do is to help you understand the complicated maze of credit.

We have provided a good start on educational subjects on this website, and will continue to add content to these pages as time goes by and new things occur.

Following is a list of the subjects currently available. You may click on the link to access that particular chapter, or you can choose from a dropdown menu on the Home Page.

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Credit Restoration

When the three major credit reporting agencies (CRA’s or Bureaus) started collecting and reporting data earlier in the 19th century, the public found that inaccuracies abounded. 

So Congress started taking notice due to the complaints of their constituents. In 1970, they passed the Fair Credit Reporting Act.  It has had a profound effect on the public’s ability to correct errors.  Over the years, it has become more and more complicated. In this section, we provide insights on today’s methods.

The Credit Report Revealed - Part II

Credit reports can be mysterious documents to read and understand. In this section, we will dissect the document by sections so you can become more familia..

The Credit Report Revealed - Part I

A Credit Report is a database file that is kept by each of the three major credit bureaus[1] (http://kccreditservices.com/credit-education/credit-education-..

Myths I Believe About My Credit Score

Myths I Believe About My Credit Score Myth #1 – A Poor Credit Score Will Dog Me Forever. FACT: Actually, it is important to know that at the moment you..

Credit Terms Glossary

Account An Account refers to assets, liabilities, income, expenses, and equity, as represented by individual ledger pages to which debit and cre..

Sample Credit Report

Example of a Credit Report, provided by: Experian (this is a PDF file. To read it, you must have Adobe Reader on your computer. If you do not have this ..

What are the Laws that Protect My Credit?

CROA[1] (http://kccreditservices.com/credit-education/credit-education-credit-restoration/credit-education-what-are-the-laws-that-protect-my-credit/#_ftn1) ..

What is Credit Restoration?

What is credit restoration? What does it mean to restore your credit…how do you do it? FCRA, The Fair Credit Reporting Act[1] (http://kccreditservic..

 

Credit Scoring

Many years ago, merchants wanted to offer their products and services to the populace, but realized there were a number of people who needed to “run a tab”. 

They didn’t have ready cash to pay for the items they needed, mainly food and tools, clothing and toiletries because they were mostly farmers who only harvested their crops once per year.  They had to wait until they sold their crop to pay their “tab”.  The merchants needed to find a way to determine which people were likely to pay their “tab” at a future date, and which ones were less like to do so. Find out how they do it.

How Can I Improve My Credit Score? – Part III

Continued from Part II (how-can-i-improve-my-credit-score-part-ii-1) 15% of your credit score consists of the length of your credit history, and 10% is ..

How Can I Improve My Credit Score? – Part II

Continued from Part I (how-can-i-improve-my-credit-score-part-1?Preview=True) 30% of your score is determined by the amounts you owe. Since this is suc..

How Can I Improve My Credit Score? – Part I

Wow…that’s a big subject. Remember that 35% of your credit score is composed of your payment history. The answers are complicated because it depends upon ..

Credit Restoration Is Legal!

Every Day, We Are Asked This Question: Is Credit Restoration Legal? The answer is resoundingly: YES! When the three major credit reporting agencies (CRA..

What is a credit score?

How is it conceived and constructed? Many years ago, merchants wanted to offer their products and services to the populace, but realized there were a number..

Credit Terms Glossary

Account An Account refers to assets, liabilities, income, expenses, and equity, as represented by individual ledger pages to which debit and cre..

Sample Credit Report

Example of a Credit Report, provided by: Experian (this is a PDF file. To read it, you must have Adobe Reader on your computer. If you do not have this ..

What Is The Difference Between A FICO Score and A Vantage Score?

Just a few years ago, the three major credit reporting agencies (bureaus)…Experian, TransUnion, and Equifax…got together and decided to challenge the FICO s..

Your Money

Many of our customers ask us to enlighten them about various uses of money, from how to teach your kids about money, to how to buy a car. In this section, some of the most popular subjects are presented.

Your Kids and Money

As a responsible parent, it is important to teach your kids about the wonders and pitfalls of money management. But if you are in financial trouble yoursel..

Credit and Bankruptcy

Myth #1: bankruptcy will solve my financial woes and clean up my credit. Truth: Bankruptcy can eliminate the debt, depending upon what Chapter you filed..

Credit and Divorce

Unless you were married at 15 years old, you probably had a credit file before you married your spouse. You did your thing, gaining credit cards, bank acco..

Buying or Leasing A New Or Used Vehicle

You know you want it…that hot little number with the good gas mileage. But you are concerned that your credit report won’t allow the lowest rates so you ca..

Credit Terms Glossary

Account An Account refers to assets, liabilities, income, expenses, and equity, as represented by individual ledger pages to which debit and cre..

Home Buying - The Single Largest Investment in Life

Putting the housing debacle aside, 66% of Americans own their own home, and most of the rest of the nation wish they could get into homebuying. There is so..

More Articles

As new subjects come up about money and credit, such as identity theft, we present timely articles about those subjects in this section.

What Do The Credit Reporting Agencies Do To Protect My Identity?

Knowing that our personal information is being transmitted monthly by our creditors to the credit bureaus can be cause for some anxiety about our safety. S..

How Do I Protect Myself From Fraud and Identity Theft?

Living in these times of digital growth, fear is a constant companion. It is really scary to hear the stories of people who have had their lives destroyed ..

Credit Terms Glossary

Account An Account refers to assets, liabilities, income, expenses, and equity, as represented by individual ledger pages to which debit and cre..

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News & Updates

New Website Launched!

25-Feb-2014
Welcome to our new website! The changes we have gone through are designed to provide more informati..

Business Credit Funding Suite is HERE!

31-Jan-2014
Announcing a proven technology to access funding for your business without using your social securit..
View All News »
Blog Activity
  1. Accuracy Problems on Credit Reports Carole Carlson 05-Jul-2015
  2. Do You Need An Alternative Identity Number? Admin Manager 16-Oct-2013
  3. Congress Contemplates Reasons and Fixes for 40 Million Credit Report Mistakes Admin Manager 03-Sep-2013
View All Posts »

Success Stories - Hear From Some of Our Satisfied Clients

     
From 610 to 700…   From 580 to 655…   From 605 to 702…   From 618 to 708…
     
just want to thank you, Donna… You did more for me in one month than Lexington Law did in 10 months. You have moved me closer to my goal in a shorter amount of time and I just want to thank you...   In 1999 I began to see a noticeable increase in the number of individuals coming to me with credit challenges. I began looking for a resource to aid them with their issues and looked through the Yellow Page...   My name is Lansa Johnson, when I came to Donna and her team at Kansas City Credit Services I was very nervous and thought this company was a true gimmick. The truth of the matter is; Donna and her...   In 1998 I was separating from a spouse who left me with substantial credit issues. A former friend of mine shared with me their success with KCCS and I hired them for my own personal credit situation....
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