Upon completion of this course, the student will be familiar with the Equal Credit Opportunity Act. This course will identify the differences and similarities between the three credit reporting agencies to know what is included and excluded in a free credit report. We will also review how to properly read a credit report, how to spot errors, and who to contact to get these errors corrected. Finally, we will investigate the truth behind many credit myths agents and borrowers have such as, “why all debt is not treated equal” and “closing old accounts will help my credit score.”