Credit reports and credit scores play an outsized role in our economic lives. They determine our ability to obtain credit and its price; whether we can buy a house or rent an apartment; and even our ability to get a job. A credit report can make or break a consumer’s financial life. Yet this system has serious structural problems, which have become more glaringly apparent as the COVID-19 pandemic decimates the health and financial well-being of millions, especially Black, Brown, and low-income communities. The Biden administration should address these structural problems by implementing one of its bold proposals, establishing a public credit registry.