Your credit is a payment history showing whether or not you have paid outstanding debt as agreed. Based on credit information, creditors will determine if you are a good credit risk.

[su_note note_color=”##230e5e” text_color=”#230e5e”]

[su_spoiler title=”How to Read a Credit Report” style=”fancy” icon=”chevron-circle”]
Your credit report is broken down into separate sections. Depending on which type of credit report you ordered, you may run into a few differences. You will receive a key to help you determine what the different codes mean. In general, your credit report will break down into 5 separate sections. Remember that they could be in a different order than listed below.

[su_service title=”Personal Information” icon=”icon: check” icon_color=”#5be02c”] This will list all your personal information such as your name, social security number, previous addresses, and previous job history.[/su_service]
[su_service title=”Public Record Information” icon=”icon: check” icon_color=”#5be02c”] This section will list any liens, bankruptcies, or judgments that are filed against you. [/su_service]
[su_service title=”Collection Accounts” icon=”icon: check” icon_color=”#5be02c”]A collection account reflects when the original creditor was not successful in collecting a debt and that they chose to sell the account to a collection agency.[/su_service]
[su_service title=”Credit Accounts” icon=”icon: check” icon_color=”#5be02c”] This is the bulk of your credit report. All secured and unsecured credit accounts and loans are listed with detailed payment history.[/su_service]
[su_service title=”Inquiries” icon=”icon: check” icon_color=”#5be02c”] Inquiries reflect any credit that has pulled your credit report. [/su_service]

Remember to review all of this information to make sure that it is correct.

[su_label type=”important” class=””]ACT NOW[/su_label]Don’t wait. Set up a FREE credit review now, contact CCCS today by calling 912-691-2227 or clicking here.


[su_spoiler title=”What Makes Up a Credit Score” style=”fancy” icon=”chevron-circle”]

A credit score is a 3-digit number that can influence credit available to you and what credit lenders will offer you.

35%     Payment History: Are you paying you credit accounts on time?

30%     Amounts Owed: Percentage of available credit that was borrowed.

10%     Length of Credit History: A longer credit history will increase your credit score. 

10%     New Credit: How often do you open new credit accounts?

15%     Types of Credit Used: What’s your mix of credit accounts?

To learn more about credit and credit scores visit myFICO


[su_spoiler title=”Get Your Credit Report for Free” style=”fancy” icon=”chevron-circle”]

Annual Credit Report
Federal law requires each of the three nationwide consumer credit reporting companies- Experian, Equifax and TransUnion to give you a free credit report every 12 months if you ask for it. This website is the only website that provides your credit report for FREE. Although you do not receive your credit score, pull your credit report to ensure that the information on all of your credit reports is correct and up to date. 

Credit report with score on a desk



For more questions about credit, contact one of the CCCS’ credit counselors here.

Also, click here to watch our video series on how to improve your credit score.