Your 2026 Credit Score Playbook: What Really Moves the Needle
Learn what truly impacts your credit score in 2026 — including payment history, utilization, medical debt changes, rent reporting, and new credit trends.
Manage Your Debt - Let's Explore Your Options
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Thank you for reaching out to American Financial Solutions.
Counselors are available to assist you Monday through Friday 6:00am - 6:00pm Pacific Time. Please feel free to leave us a message outside of these hours and we will call you back the following business day. You can also use the form below to email us.
Online access: Another option is to access your account online. If you have not enrolled in online access, you may do so here.
Holiday Hours
We’re taking a little extra time this season to rest, recharge, and enjoy our loved ones. Please note our adjusted hours:
- November 27: Closed
- December 12: Open at 8 a.m. (PST). Closing at Noon (PST), so our team can enjoy an afternoon off
- December 24: Closed
- December 25: Closed
- January 1, 2026: Closed
Thank you for planning ahead with us — we hope your season is peaceful and bright!
| Credit counseling | 888-282-5899 |
|---|---|
| Housing counseling | 888-864-8699 |
| Bankruptcy counseling | 800-894-7240 |
| Financial education classes | 888-282-5492 ext. 1114 |
| Partnership opportunities | 888-282-5492 ext. 1114 |
| Fax line | 888-282-5495 |
Payment Address:
American Financial Solutions
1 Union Square
600 University Street
Suite 2409
Seattle, WA 98101
Counseling Center Address:
American Financial Solutions
500 Pacific Avenue
Suite 550
Bremerton, WA 98337
