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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Bankruptcy Counseling
American Financial Solutions (AFS)
AFS provides pre-bankruptcy credit counseling to residents of CA, GA, IN, MD, NY, TX, VA & WA.
U.S. Department of Justice (USDOJ) - U.S. Trustee Program
The United States Trustee Program is the component of the USDOJ responsible for overseeing the administration of bankruptcy cases and private trustees. Thier website provides information about the United States Trustee Program and the federal bankruptcy system, Bankruptcy reform, a list of approved Credit Counseling agencies and Debtor Education providers.
Executive Office for U.S. Trustees
20 Massachusetts Avenue, NW Suite 8000
Washington, DC 20530
(202)514-4100 or www.usdoj.gov/ust/index.htm
USDOJ Approved Credit Counseling Agencies (by state)
www.usdoj.gov/ust/eo/bapcpa/ccde/cc_approved.htm
USDOJ Approved Debtor Education Providers (by state)
www.usdoj.gov/ust/eo/bapcpa/ccde/de_approved.htm
Federal Trade Commission
For a brochure on the Fair Debt Collection Practices Act
Publications Division
Washington, DC 20580
(202) 326-2222 or www.ftc.gov
Find A Lawyer
American Bar Association
For bankruptcy, employment, housing and civil issues only
321 N. Clark St.
Chicago, IL 60654-7598
(800) 285-2221 or www.abanet.org
Yellow Pages
1. Look under “Attorney” in the yellow ages of their local phone book.
2. Look under, “Attorney Referral” in the white pages of their local phone book.
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