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Introduction

Surviving Debt is available to all for free during the COVID-19 emergency. Navigate using the Table of Contents on the left sidebar to access the text. To purchase Surviving Debt (available in print or as an ebook) visit the NCLC bookstore.

Understanding how a credit report works and how it affects a family is critical in allowing families to make the right choices in dealing with their debts and other obligations. This chapter explains how information gets into your credit report, what information is in your report, who sees it, and how it affects your life.