Hello there, Cooper.
Welcome to the Community. Let me share some information about entering a credit balance in QuickBooks Desktop.
The credit balance enters as a negative number. When you're new to QuickBooks Desktop, you pick a day to start tracking your transactions. You enter real-life bank account balances for the day you pick. This way, QuickBooks matches your bank records from the start.
For more information, refer to this article: Enter an opening balances for an account in QuickBooks Online
To make sure you save the current customization settings of your reports, you may memorize them for easy access. Browse this resource for the detailed steps: Memorize reports.
I'm here to lend a hand if you have more questions about managing your credit memos or anything else related to QuickBooks. Take care and have an awesome day.