A guide to good credit that explains how to establish good credit, how to understand credit reporting agencies, what factors impact credit scores, how to deal with collections agencies, what options are available for repairing credit, and how to protect consumer rights.

More than 12 million adults in the U.S. report they do not speak English well or at all. Proficiency in reading, writing, speaking, and understanding the English language appears to be linked to multiple dimensions of adult life in the U.S., including financial literacy -- the ability to make informed judgments and take effective actions regarding the current and future use and management of money. A recent Federal Act in 2009 mandated an examination of the relationship between fluency in the English language and financial literacy. This report examines the extent, if any, to which individuals with limited English proficiency are impeded in their financial literacy and conduct of financial affairs. Illustrations.