Credit education resources in Arkansas | How does your credit score affect you

Skip to content, Accesskey F: Farm & Ranch, Accesskey Y: Yard & Garden, Accesskey B: Business & Communities, Accesskey E: Environment & Nature,Accesskey H: Health & Living, Accesskey 4: 4H & Youth

Farm & Ranch
- Integrated Pest Management
  Pick up know-how for tackling diseases, pests and weeds.
- Economics and Marketing
  Navigate shifting markets, risks and policies.
- Animals and Forages
  Find tactics for healthy livestock and sound forages.
- Crops and Commercial Horticulture
  See up-to-the-minute production techniques for better yields and profits.
- Technology in Agriculture
  Use virtual and real tools to improve critical calculations for farms and ranches.
- Innovative Programs
  Explore agriculture's many facets, including tourism, aquaculture, diagnostics and energy conservation.
- Biosecurity Best Practices
  Keep our food, fiber and fuel supplies safe from disaster.
- Farm and Ranch Resource Library
  Learn to ID forages and more.
Yard & Garden
- Master Gardener Program
  Gaining garden smarts and sharing skills.
- Home Landscaping
  Creating beauty in and around the home.
- Lawns and Turf
  Grow. Mow. Nurture. Repeat.
- Vegetable Gardening
  Coaxing the best produce from asparagus to zucchini.
- Small Fruits & Nuts
  Enjoying the sweet fruits of your labor.
- In the Garden Blog
  Gardening wisdom by Janet Carson.
- Youth and Gardening
  Growing together from youth to maturity.
- Yard and Garden Resource Library
  Find our plant databases and more.
Business & Communities
- Leadership
  Equipping individuals to lead organizations, communities, and regions.
- Strategic Planning
  Guiding communities and regions toward vibrant and sustainable futures.
- Business & Entrepreneurship
  Guiding entrepreneurs from concept to profit.
- APAC & Government Contracting
  Expanding your business by learning the language of government contracting.
- Economic Development
  Find trends, opportunities and impacts.
- Voter Education
  Providing unbiased information to enable educated votes on critical issues.
- Public Policy Center
  Understanding that knowledge is power.
- Local Government
  Research-based connection to government and policy issues.
- Local Foods
  Support Arkansas local food initiatives
- Food Industry
  The science and business of food
Environment & Nature
- Disaster Preparedness
  Preparing for and recovering from disasters.
- Professional Education Opportunities
  Licensing for forestry and wildlife professionals.
- Water Quality and Conservation
  Preserving water quality and quantity.
- Air Quality and Standards
  Cleaner air for healthier living.
- Forestry Management
  Managing a complex forest ecosystem.
- Wildlife Resources
  Learn to manage wildlife on your land.
- Soil Education and Testing
  Soil quality and its use here in Arkansas.
- Invasive Species
  Learn to ID unwanted plant and animal visitors.
Health & Living
- Food & Nutrition
  Eating right and staying healthy.
- Food Safety
  Ensuring safe meals.
- Health
  Taking charge of your well-being
- Personal Finance
  Making the most of your money.
- Personal & Family Well-Being
  Making sound choices for families and ourselves.
- Child Care Providers
  Nurturing our future.
- Aging
  Understanding aging and its effects.
- Extension Homemakers
  Giving back to the community.
- Emergency Preparedness
  Managing safely when disaster strikes
4-H & Youth
- About 4-H
  Getting the 411 on 4-H.
- Get Involved
  Your head, heart, hands & health: Bring it. Bring it all.
- Activities & Programs
  No one sits around here.
- 4-H & Youth Resource Library
  What else do you need to know? Check it out.

All About Credit

What do Arkansans know about credit?
Test your knowledge here with the Credit Score Quiz.

Credit can be a tool or a trap, depending upon how it is handled. Used well, credit can be an asset that helps build wealth as part of a financial plan. Used unwisely, credit can lead to excessive debt or even bankruptcy. It's important to learn to use credit wisely. Discover expert recommendations for managing credit.

What are credit reports and scores?

Consumers with high credit scores receive the best terms and lowest interest rates on loans. Lenders, insurance companies, and even potential employers may make decisions based on your credit report. There are three credit bureaus and you can obtain a free annual report from each. You must purchase your credit score. Find out how to check your credit report and improve your credit score.

Credit Repair

It's easy to whip out a credit card to pay for everything from utility bills to movie tickets. You may use credit cards for hundreds of purchases every year. Credit cards are easy to use. But credit card use can spin out of control.

High interest rates, fees, penalties and out-of-control spending may increase debt faster than your ability to pay.
Whether you owe a few hundred dollars or several thousand. These steps can can help you reduce debt.

Credit and Financial Management Publications

Managing Credit
Wise credit management will keep you on the road to financial security.
Credit Reports and Credit Scores
Learn how to obtain your free credit report and understand credit scores.
Credit Repair
Discover ways to bounce back from credit problems.
Financial Fitness Series: Trim Your Credit Line
See these tips for whipping your credit score back into shape.
Financial Smart Start for Newlyweds: Credit and Overspending
Get on the same page financially and learn to manage credit together.
Credit Help for Arkansans: Names and Numbers to Know
Find out who to contact about credit reports, fraud, or other consumer issues.