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.
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GET STARTED NOWEveryone knows to dial 911 for emergencies and 411 for directory assistance. By dialing 211, you can find information and referrals on everything from crisis intervention and counseling to job training, education programs, and child or adult day care; the list goes on.
About 46% of the U.S. population has access to the free 2-1-1 service in parts or all of 32 states. If your city or state does not provide 2-1-1 services, contact your congressional representative / local elected officials to tell them you want it.
For more information, United Way of America can be contacted at (888) 727-7211 or www.211.org.
Browse our recent blog articles and you will see and learn about the various ways AFS can help you, as well as educate yourself.
Learn what truly impacts your credit score in 2026 — including payment history, utilization, medical debt changes, rent reporting, and new credit trends.
Discover five simple financial habits that build long-term stability, reduce stress, and strengthen financial confidence — even on a tight budget. Practical tips anyone can start today.
Learn how to spot scams in 2026, including AI voice fraud, spoofed caller ID, fake loan offers, student loan scams, and tips to protect your money and identity.
Learn how Black Friday flash sales and FOMO influence overspending — and why many “deals” aren’t real discounts. Discover practical tips to stay debt-free this holiday season and get support from certified credit counselors.
Call us at (888) 864-8548
and your counselor will review your credit report, analyze your financial situation and help you find the option that's best for you.