Chapter 4: Credit

Having good credit is vital to everything from taking out a loan or renting an apartment to turning on utilities or even getting employed. Learn what credit is, why it matters, how to check your credit, and how to improve your credit score. More information can be found in Chapter 4 of the EQUITY book.

Chapter 4 Credit (PDF)



It’s important to keep an eye on your credit. A good way to do this is by knowing and understanding your credit reports and scores. We have two very helpful tools, thanks to our work with CFPB, that teach you to keep a finger on your credit pulse.

Credit Report Checklist

It’s important to look for information that does not belong to you or is incorrect when you are reviewing your credit score. Highlight the information you think may or may not be correct on your report as you compare it with this checklist.

Credit Report Checklist tool (PDF)

Getting Your Credit Reports and Scores

You can get one free copy of your credit report from each of three nationwide credit reporting companies every twelve months. Use this tool to learn about how!

Getting Your Credit Reports and Scores tool (PDF)

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