Do you know how your credit score is calculated? Or that you are entitled to one free credit report per year under the Fair and Accurate Credit Transaction Act? A survey conducted by Opinion Research USA and the Ad Council shows that Americans are misinformed about their credit health, with over 70% wrongly identifying a credit score of 600 as average or above average. Targeting low to moderate-income Americans of all ages and ethnicities with some form of credit, this campaign was developed to inform consumers about their credit and the importance of actively taking responsibility for maintaining its health. Additionally, this campaign aims to educate consumers about important steps they can take to establish and maintain good credit, including: paying bills on time, keeping credit card balances as low as possible and resisting the urge to open up more credit cards than are needed within a short period of time. The English PSAs remind people that, Theres no magic to improving your credit. But there is help and its free.” New Spanish-language PSAs complement the effort and direct consumers to a distinct website, www.controlatucredito.org, better tailored to the audience. The underlying aim of both efforts is to encourage consumers to better understand the intricacies of credit scores and credit reporting, and to provide information necessary to do so.