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
GET STARTED NOWCash Assistance
Financial assistance to needy families - some states will also assist single needy adults.
1. Find the Government section of your local phone book (may be blue pages, probably in front of the phone book).
2. Look for the heading State.
3. In the State section look for the topics Social and Health Services, Welfare, Cash Assistance, Family Assistance or Temporary Aid
Employment Assistance
Help finding work, filing for unemployment and sometimes assistance with creating a resume.
Energy Assistance
1. Find the Government section of your local phone book (may be blue pages, probably in front of the phone book).
2. Look for the heading State.
3. Then look for Employment Security or Unemployment
Energy Assistance
Free information on where to apply for energy assistance in your area.
National Energy Assistance Referral Line
(866) 674-6327 or email energyassistance@ncat.org
be sure to include your city, county and state along with your e-mail message
Food Stamps
Provides financial assistance for purchasing food.
1. Find the Government section of your local phone book (may be blue pages, probably in front of the phone book).
2. Look for heading State.
3. Then look under Social and Health Services or Food Stamps, Welfare, Family Assistance or Temporary Aid
Financial Assistance
Disability Income, retirement income, survivor income, Medicare and help with Funeral Expenses.
Social Security
(800) 772-1213 or www.ssa.gov
Funeral Consumers Alliance
33 Patchen Road
South Burlington, VT 05403
(800) 765-0107 or www.funerals.org
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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.