Introduction

Credit reports and credit scores influence our lives in many ways. Your history of credit management can affect the cost of the credit you receive, your ability to rent or buy a home, the insurance rates you are offered, and even your future employment opportunities. By understanding the world of credit reports, you can create a positive credit standing that will allow you to achieve your goals quickly and inexpensively. This module covers:

• Credit reporting agencies
• What is in your credit report
• Understanding credit scores
• How to improve your credit standing
• Consumer rights and identity theft