Event Details

Hosted by: University of Arkansas Extension

Sponsored by: Fidelity Bank

Unlock the secrets to a stronger financial future with our informative Lunch and Learn session, "Build Your Best Credit Score." Whether you're just starting out or looking to fine-tune your credit strategy, this event will guide you step-by-step toward bolstering your credit health.

What You'll Learn:

1. Monitor Your Credit Report

   • Discover how to access your free annual reports from Equifax, Experian, and TransUnion via AnnualCreditReport.com, and how to space them throughout the year for ongoing oversight. More importantly, learn what to do if you encounter errors—or even potential fraud.

2. Check Your Credit Score

   • Understand that while your credit report is free, your credit score typically isn’t. Learn where to find your score and how it can affect loan approval and interest rates. 

3. Understand the Scoring Systems

   • Dive into the mechanics of FICO® and VantageScore. Learn what influences these scores: payment history, credit usage, length and mix of credit, inquiries, and more. Get clear guidance on which factors are most—and least—impactful. 

4. Cultivate Your Motivation

   • Connect the dots between your long-term dreams and daily financial choices. Pinpoint what truly matters—whether that’s homeownership, travel, or peace of mind—and set targeted short-, medium-, and long-term financial goals.

5. Manage Debt Wisely

   • Debt isn’t inherently bad—when managed well, it can be a tool. Learn how to use debt wisely, maintain an emergency fund, and manage your debt-to-disposable-income ratio for stability. Explore repayment strategies like paying off low balances first or tackling high-interest debt. 

Join us and take this vital step toward mastering your credit score and achieving the life you’ve envisioned.