Credit Expert Blog Posts

Average Credit Scores

Average Credit Scores

Credit scores seem to be the magic 3-digit number that determines if you can get approved for a loan and how much that loan will cost.   In large part, your credit scores can determine what you can (and cannot) buy and how much those things could cost you.  The...

How to Improve Your Credit Score

How to Improve Your Credit Score

Most people understand the basics, like how failing to make a payment will cause your score to go down but there are a number of complexities that trip up the average consumer. If you pay your debts on time, don't carry too much debt on any one card, don't close older...

Equifax Data Breach

Equifax Data Breach

EQUIFAX Breach - What you should do now? Okay folks, here it is...what you need to know, how to do it, the links, the whole 9 yards. The info I'm sharing with you contains some info that many public articles don't have all in one place. I'll also give you my opinion...

What is a Credit Lock?

What is a Credit Lock?

You may be hearing a lot about Credit Locks coming up soon but there are some things you know. A lock is NOT the same as a security freeze on your credit. Equifax has just announced that they are allowing consumers to lock their credit for free for life. For more...

ICS in the Media

ICS in the Media

Listen to Jim Droske, President of Illinois Credit Service discuss why Your Credit Matters, weekly on WJOL 1340AM on Wednesdays 12:35pm. Credit repair expert Jim Droske with Illinois Credit Services discuss and explain relevant topics regarding credit scoring, credit...

Top Ways to Manage Your Debt Ratio

Top Ways to Manage Your Debt Ratio

Top Ways to Manage Your Debt Ratio Debt ratio is the difference between the amount of debt you have charged versus the amount of money the credit card has authorized for you to use, or your credit limit. The difference is your debt ratio. This can also be referred to...

Knowing what to do and What NOT to Do

Knowing what to do and What NOT to Do

Knowing what to do, and just as importantly, what NOT to do is the key to Credit Repair. At Illinois Credit Services, we provide the education you need to not only learn how to repair your credit, but how to keep your score as high as you can. We do that with On-line...

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