I always describe the credit score to my students as their financial GPA,” Lusardi said. “We need to have the best grade ...

Credit score ranges vary based on which model a lender ... Credit bureaus do not gather data about race, religion, medical history, sexual orientation, political affiliation, criminal record ...

Your credit score is tabulated using various data points, such as payment history, length of credit history and the percentage of credit you are using versus the total amount available to you.