How it works
A credit report is a book kept by a record keeper. Every borrower has one, and it tells one story only: how you have handled borrowed coins.
Each row is a lender, with how many coins were lent and how the payments went. A gold tick means on time, and a small clock means late.
Nell paid 11 of 12 payments on time, so her page looked tidy. Her pay, her savings jar and her shopping are not in the report.
Mix-ups happen when two pages with similar names get shuffled. A mistake can be taken off, so ask the record keeper to look into it. Grown-ups may read their own book whenever they wish.