AdvertisementAnalysisWelcome to America! Now learn to be in debt06:54Download AudioResumeMay 24, 2023Alina SelyukhTirzah ChristopherfacebookEmailYazmin Lopez, here at home in Madison, Wis., first learned about credit scores from a personal finance book she picked up at Goodwill a few years after coming to the U.S. as a teenager. (Lianne Milton for NPR)