The National Consumer Law Center’s (NCLC)  primary role is to educate attorneys on consumer law issues. The NCLC also gives expert analysis and testimony to state, local and federal government and the news media. Finally, from time to time, the NCLC drafts publications giving consumers advice directly.  Recently Chi Chi Wu of NCLC posted a concise yet informative article on credit reports and credit scores. Here is the link.  I think this artic should be mandatory reading for college students taking personal finance classes. I am going to start sending a link to the article to every caller who asks me about credit report problems. 

https://library.nclc.org/essentials-about-credit-reporting-consumer-debt-advice-nclc