Hughes can analyze your credit report for fraud detection and for any score enhancement opportunities. We'll provide you with information on how you can improve your credit score and show you how to possibly lower your loan payments. Your credit score appears on your credit report and can determine the loan rate for which you qualify at most lending institutions. See a Member Service Representative at any of our branches. Please bring a valid picture ID and allow 30 minutes. You can call ahead  for an appointment at (520) 794-8341.