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 NOWUS Department of Health and Human Services, Administration of Aging
Has information on agencies all across the U.S. that provide services for the elderly. Can provide referrals to help combat things like elder abuse, neglect and exploitation.
(800) 677-1116
AARP (Formerly known as: American Association of Retired Persons)
601 East Street NW
Washington, DC 20049
(888) OUR-AARP / (888) 687-2277 M-F 7am-Midnight EST or www.aarp.org
To find a local AARP Chapter in your town call (800) 424-3410
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.