The document summarizes the main characters in Charles Dickens' A Christmas Carol. Ebenezer Scrooge is a miserly businessman who started his career with his former partner Jacob Marley, but has become cold, mean, and friendless. Bob Cratchit works as Scrooge's clerk but struggles in poverty with a large family, including his very ill son Tiny Tim. Fred is Scrooge's nephew who is kind, happy, and sociable in contrast to his uncle. The ghosts of Christmas Past, Present, and Future visit Scrooge and ultimately change him.