This module on how one's credit history will affect one's credit future is one of ten in the Money Smart curriculum, and includes an instructor guide and a take-home guide. It was developed to help adults outside the financial mainstream enhance their money skills and create positive banking relationships. It is designed to make participants familiar with the importance of a credit history. Topics include identifying a credit report and how it is used; ordering and reading a credit report; identifying ways to start repairing credit; and identifying available resources. Each module consists of an instructor guide, sample promotional flyer, and take-home guide for class participants. The instructor guide provides this information: preparing to present the course; materials and equipment list; and guide to icons. Each page is divided into two columns. The left presents icons to alert the instructor to discussion questions, exercises, transitions, and summaries; the right provides step-by-step directions that enable the instructor to ask questions, provide explanations, show slides, handout materials, and introduce exercises. Handouts and overheads are appended. The flyer follows. The take-home guide is comprised of information sheets and a list of five credit counseling resources and six other resources; course evaluation; and "What Do You Know," a pre-and post-form that shows what participants know about banking basics. (YLB)