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Chapter 22 covers the essential topic of credit. We explain what a credit report is, emphasize the importance of checking one’s credit report regularly, and share tips on how to maintain good credit.


  1. You probably saw this one coming: Check your credit report now. Go to and request a free credit report. Review it. If there are any errors, address them as soon as possible.
  2. At this point in your life, do you need to build, maintain, or repair your credit? Decide on two action steps you can do this week to improve your credit. Tell a partner what your action steps are, then report back to him or her when you’ve completed them.
  3. If you were an employer, would you want to know the credit histories of your prospective employees? Explain. Do you think it is right for an employer to have access to this information?
  4. Debt accumulation among college students is at an all-time high. Do you think policies or required programs should be put into place to correct this situation? If so, why? If not, what do you think would help improve the situation?
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