Correction: NerdWallet-Millennial Money-Understand Credit

FILE- This June 10, 2015, file photo shows a chip credit card in Philadelphia. Brushing up on the basics of your credit score can give you a fresh start this year and help you know how best to build and defend it. (AP Photo/Matt Rourke, File) (Copyright 2019 The Associated Press. All rights reserved.)

In a story January 7, about understanding credit, The Associated Press — in an article supplied by the personal finance website NerdWallet — erroneously reported that employers are among those who can check applicants' credit scores. Employers can access only modified credit reports.