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You know dad if you had payed more attention to your credit report..
I don't even know what that is?!
we could afford our own washer and dryer.
It's a record of your past use of credit.
Oh yeah Jessica, and what is found on this "credit report"
It includes consumer information, credit account information, public record, and inquiry.
Wait a minute, then why is my credit score so bad?!
It's all of those late and missed payments.
What does that have to do with anything??
And negatively affect your credit.
Things like that stay on your credit report for seven years.
Well maybe it's time I start to improve my score.
Great! We can start by paying off some of your debt.