Credit Cents: Making Sense of Credit, Debt, and Identity Theft is a series of 11 fact sheets, with worksheets and a thorough glossary, that covers the various kinds of consumer credit, reasonable levels of debt, credit reports and scores, building credit history, finding the right loans or credit cards, getting out of debt, and avoiding identity theft or taking action when identity thieves strike.

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Issued in furtherance of cooperative extension work in agriculture and home economics, Acts of May 8 and June 30, 1914, in cooperation with the U.S. Department of Agriculture, Charlotte V. Eberlein, Director of University of Idaho Extension, University of Idaho, Moscow, Idaho 83844. The University of Idaho provides equal opportunity in education and employment on the basis of race, color, national origin, religion, sex, sexual orientation, age, disability, or status as a disabled veteran or Vietnam-era veteran, as required by state and federal laws.