Thousands of young people age out of foster care with no one to help them navigate adulthood. This transition can be complicated when they find they have no or poor credit when they apply for a job, apartment or cell phone. To help, Congress enacted a law mandating that each child receive a copy of their credit report and help interpreting it before they age out of the system. This reference guide provides child welfare agencies with basic information about the platforms and services the three major credit reporting agencies — TransUnion, Experian, and Equifax — offer to help case workers meet the federal requirements. It includes a quick reference on definitions and acronyms and a list of financial education resources for youth.