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.


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 (
P.O. Box 740241
Atlanta, GA 30374-0241

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

Trans Union (
P.O. Box 1000 Chester, PA 19022

You can also get your report online at