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These are articles that have information on credit counseling, credit restoration, credit repair services, consumer credit advising and credit help. We are a leader in credit repair and restoration.

A Guide to Becoming Debt Free

If you realize your spending has gotten messy and needs some cleaning up, here is what you might want to do. Develop a list of your credit card balances, all outstanding balances for that matter. Then, once you have a clear picture of what you owe, organize the debts from least to greatest. Pay off your debt beginning with the smaller account balances. The best way to do this is to make your minimum payments […]

All I Want For Christmas Is To Be Debt Free

How about putting yourself first this holiday season? Let’s take a moment to consider what you really want. More than likely it is peace of mind. Your credit standing impacts your peace of mind heavily. Let this year be different than last year, the year before that and all the years you can recall where you spent beyond your means and then paid for it all year long.


  • Readiness for the Holidays with PCS Debt Relief

Are You Prepared For The Holidays?

Staying Focused on Your Finances During The Holidays

Are you prepared for the holidays? I’m not talking about home trimmings or festive wreaths. Let’s prepare for the long term financial repercussions of this wonderful time of year. Not before long the ghosts and goblins will be clearanced out of shops and all things harvest and holiday will be on display.

Let’s not be cynical, this is a joyous time of year. Nonetheless, it can turn into a […]

How to Have a Money Mindset and Achieve Financial Prosperity

Personal finance involves creating a budget, investing and saving for the future. However, knowing the building blocks for a personal financial foundation will not bring financial prosperity. Using this knowledge along with the right money mindset to take action will bring financial success.

Personal Relationship With Money

To have the right money mindset, it is important to determine your current emotional tie to money. Sometimes our childhood or how we live dictates our connection with money. At […]

Using Money Management to Get Out of Debt

Money management is the process of budgeting, saving, investing, spending or otherwise determining how to use the cash you receive as income.  It can be a struggle to effectively manage your money when you need to provide for your family, plan for retirement and have money set aside for emergencies.

Money dictates our quality of life, the kind of home we live in, what we can buy and our emotional state.  Sometimes life challenges occur such […]

  • Effective Debt Relief

How To Avoid Student Loans

The school year has begun, and millions of students are heading back to college. Amidst all the hustle and bustle of schoolbooks, supplies and moving into college dorms is the stress and anxiety that comes from all the expenses incurred by attending college. So, how do you avoid student loans? Below are five tips for smart student loan borrowing.


  1. Choose your school wisely – Make sure your post-graduate salary will support the cost of the school […]

FICO Credit Score Changes

FICO Credit Score Changes are Bringing More Fairness to Lending Decisions

What is FICO?
FICO credit scores, which have become consumers’ financial passport to just about everything from rental apartments to most loans, are based on the information in an individual’s credit reports, which are generated by the three major credit bureaus: Equifax, Experian and TransUnion. The scores are based on a 300- to 850-point scale. A good credit score furthers your borrowing power and financial opportunities.

Below […]

December 8th, 2014|
  • FDCP Act

FDCP Act – A Magical Wand To Tackle The Rogue Debt Collectors

Why Deal With Debt Collectors When We Can?

The Federal Trade Commission has introduced consumer protection laws to safeguard the people from the illegal collection practices. The rogue debt collectors pose as law officers or threaten the debtors to take legal action against them. These are some of the common tricks of the rogue debt collectors to retrieve the owed amount.

Let PCS Debt Relief Deal With Your Debt Collectors!

So, the Fair Debt Collection Practice Act has […]

  • Consumer Credit Counseling Services

Benefits To Seeking Consumer Credit Counseling Services

Are you unsure where your next paycheck is coming from? Have you exhausted all your options just to make your minimum monthly payments? This may be just the solution you need to get your finances in order. Consumer Credit Counseling Services, also known as CCAS, is a popularly advertised debt relief program available for clients that have a racked up credit card debt. If you have credit card debt and […]

  • Watch out for debt relief scams.

Credit Counseling Scams and How To Avoid them!

Don’t Get Scammed

When a person acquires large enough amounts of debt to the point they can’t keep up with their payments and are facing the reality of bankruptcy and losing everything they’ve worked hard for, financially, life can feel as if it couldn’t get any worse. Unfortunately, there is debt counseling agencies around that are waiting for a consumer to happen upon them with that exact assumption.

They extend their hands with a facade of friendliness […]

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A Debt Relief Company You Can Trust!

With over 30 years of combined experience, a Better Business Bureau A+ rating, and a zero complaint history, you can feel confident that PCS Debt Relief will be a debt relief company you can trust. We are headquartered in St. Louis, MIssouri and offer our debt relief services nationwide.