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 NOWAFS has no emergencies to report and is operating normally.
The AFS Status line is 360 479-1151 for over the phone status information.
If there were an emergency, this website would be updated frequently with instructions and information about the incident.
In an emergency that requires immediate help from police, fire fighters or medical technicians, call 911.
Emergencies affecting AFS operations are typically weather related, such as snow storms.
All employees of AFS should take steps to ensure their own safety and the safety of others in an emergency. Know your role in an emergency by reviewing the AFS Emergency Plan. Please familiarize yourself with EMP procedures so you will be prepared before an emergency occurs.
Receive immediate notification in an emergency by keeping your contact information updated with Human Resources
Browse our recent blog articles and you will see and learn about the various ways AFS can help you, as well as educate yourself.
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and your counselor will review your credit report, analyze your financial situation and help you find the option that's best for you.