Understanding Your Credit Score

We get questions from people trying to understand their credit score and wanting to know how they can work to improve it. Thanks to Lisa Smith at United Federal Credit Union, who supplied this information!

Her concise explanation offers insight into understanding your credit score and how it can be improved.

If you have any questions, call us at (479) 782-7236.

Understanding credit chart

You are able to obtain a free credit report every 12 months from one of the three major credit reporting agencies. Their info is below:

Equifax (www.equifax.com)
P.O. Box 740241
Atlanta, GA 30374-0241
1-800-685-1111

Experian (www.experian.com)
P.O. Box 2104 Allen, TX 75013-0949
1-888-EXPERIAN (397-3742)

Trans Union (www.transunion.com)
P.O. Box 1000 Chester, PA 19022
1-800-916-8800

You can also get your report online at www.annualcreditreport.com

What our clients are saying:

Excellent Results

"We have been using Credit Service Company since July of 2011. During this time, I have been nothing but pleased with the service we receive. "

Good Experience

""Our company has had very good luck using Credit Service Co. to collect on past due bills. We have had an all-around good experience." - Ellen S. "

Great Service

""Great Service!" -Janice L. "

Always Satisfied

""I have been using Credit Service for my collection needs for over 20 years and have always been well satisfied with their service." - Steve Mcallister, owner, Royal Janitorial "

Friendly and Helpful

""We have been using Credit Service Company for many years and are very happy with their service…so friendly and helpful!" -Leslie S. "

Always Very Professional

"Have been working with this company for years. Always VERY professional. Keep up the great work!"

Great Company and Great People

"Great company and great people!! Thank you for your efficiency and courtesy!" - James K."

Provide Excellent Customer Service

"I am pleased to recommend the services of Credit Service Company. Our emergency medical clinic has used Credit Service Company for the past 9 years. During this time, they have always provided excellent customer service to our customers and given us no cause for complaint. We have found them to be sincere, professional, and efficient in the collection of accounts. ~Emergency Medical Clinic Business Office Manager"

Very Helpful in Advising

"I wholeheartedly recommend Credit Service Company. They have been instrumental in collecting fees owed that otherwise would have been lost to me. "

"Proficient at handling large volumes of past-due accounts."

"During my 30+ year tenure as a Business Office Manager for a flagship hospital, a very solid and profitable business relationship was maintained with Credit Service Company. "

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