What your credit score actually means

How to rebuild your credit score

It's easy to let your credit score slip without realizing it. Checking your credit score and getting to know what's on your credit report are the first steps to getting to the "700 club," or "good score" range, according to one financial expert.

Five primary factors determine your credit score

Your credit history is used to calculate your credit score. It includes information such as how often you miss payments (on credit cards, for instance), the types of financial accounts you hold, how long you’ve held those accounts, and more.

The first steps to rebuilding your credit score include getting to know exactly what's on your credit report and figuring out how far you are from the '700 club,' or 'good score' range.

What is VantageScore?

The three major credit bureaus introduced the VantageScore credit score in 2006 as a competitor to FICO. It’s calculated slightly differently from a FICO score, though just like the FICO score, it’s widely used by lenders.

What are business credit scores?

Businesses have credit scores the same way individuals do—with a few key differences. For one thing, business credit scores range from 0 to 100 instead of 300 to 850, and are based on factors such as bankruptcy and bill-paying habits.

How to check your credit score

Contrary to popular belief, checking your credit score doesn’t hurt your credit. Many credit card companies show your score when you log into their app online, but there are other ways to check it.

How credit scoring works outside the US

If you move outside the US, you won’t get to take your credit score with you. Credit scoring systems work differently in other countries. In the UK, for instance, being registered to vote improves your credit score.

The three major credit bureaus were created in the mid-1900s to sort local credit reporting into national databases

In the 1800s, credit bureaus went into business to help lenders make decisions. But today's three major credit bureaus, Experian, Equifax, and TransUnion, didn't become the industry leaders they are today until the 20th century, around the same time FICO was founded.

How the credit scoring system could change

Factoring rental payments into credit scores is just one proposed change some have suggested making to today’s credit scoring system to cater the system to renters as well as homeowners.

Privacy concerns in the credit scoring system

Because credit scores use a lot of personal information (such as whether or not someone makes credit card payments on time), some worry their privacy is being compromised in the data collection process.

Visualize the 5,000-year history of consumer credit in one infographic

Consumer loans for agriculture were likely first used around 3500 BCE, but modern consumer credit took many more centuries to be established. England's credit reporting system, for instance, dates back to the early 1800s when a group of English tailors began swapping information about customers who failed to settle their debts.

Why there are microchips in credit cards

Credit cards have evolved significantly since their invention in 1950, but security lagged in the US for years. Despite handling only a quarter of global transactions, the US once accounted for half of all credit card fraud. The 2013 Target data breach helped push the adoption of chip cards, reducing fraud but shifting risks to online scams.

Do student loans affect your credit score?

While student loans can impact your credit score, that's not necessarily a bad thing. Repaying the loan on time can strengthen your credit score, whereas paying late can hurt it. To find out more about how student loans can impact your credit score, read this article.

Credit unions, explained

Proponents of credit unions often point to the fact they’re not-for-profit cooperatives instead of for-profit businesses as a key selling point. This explainer dives into what this looks like in action—instead of pocketing the profits from interest rates, credit unions reinvest that money into the products and services they offer. For customers, this tends to create a more personal and community-oriented experience.

Kal Penn explains credit scores

Kal Penn, the actor who played Kumar in the “Harold and Kumar” films and appeared in shows like “How I Met Your Mother” and “House,” just so happens to know a thing or two about how the credit scoring system works in the US.

The basics of private credit—plus why it matters in 2026

This podcast episode—one of the best we found for explaining the ins and outs of private credit—details how private credit became a significant lender for the tech industry, and how AI could disrupt private credit investments.

What the heck is a polygenic risk score?

Being able to predict an individual’s risk of common conditions is regarded by many as the holy grail. So, where are we now?

Crypto's origins date back to 1983

While crypto feels new, it actually dates to 1983, with eCash's creation. However, a lot has happened in the crypto world over the past few years in particular—crypto's market cap surpassed $2T for the first time in 2021, for instance. A timeline of crypto's history details the events in between.

Take a quiz to discover your brain care score

Each year, nearly 800,000 Americans have a stroke. With such a high occurrence rate, you may be asking yourself what you could do now to prevent a future stroke. Researchers at Harvard collaborated to answer this question by coming up with a "Brain Care" scoring system. Take the quiz to learn the quality of your brain health today and pick up helpful insights to lower your risk of stroke and dementia well into the future.

What happened to thousands of teens from the 1990s?

Scientists followed thousands of teenagers from 1997 into their 30s, cataloging their adverse experiences along the way via nearly three decades of interviews. Teens who grew up dealing with poverty, uninvolved parents, and other childhood stressors and traumas racked up an ACE score. These adverse childhood experiences have lifelong impacts on one's health, relationships, financial security, and "pretty much everything else," making them more likely to suffer premature death.

The evolution of the human brain

The human brain, in all its staggering complexity, is the product of millions of years of evolution. Read on to find out about brain size and intelligence, language and brain development, and more.

See how computer memory really works—from binary bits to modern RAM

The video explains how computers store information as 1s and 0s, how RAM functions as fast working memory, and why systems utilize different types of storage. The video demonstrates how this process enables computers to operate.

Watch how the S&P 500 is actually calculated

After accounting for each company's float-adjusted market capitalization (a metric that combines the price of a company's stock, the total number of shares, and the stock's float, which means how many shares are actually available), the S&P 500 formula uses a divisor to create the index number. However, what the divisor is and what it represents are secrets.

What do your dreams mean, according to science

Humans have been interpreting dreams as signs from deities, spirits, or the psyche for ages, and research shows that reflecting on and analyzing one's dreams can be beneficial. In alignment with dreams' elusive nature, they have no objective or clearly assigned meaning. However, variations of common dreams, such as a surprise exam in a forgotten class, are rife with shared primal fears.

Rotten Tomatoes scores have gone up by 13% in the past decade

Rotten Tomatoes is the gold standard in the film industry, offering viewers aggregated critical scores of recently released movies. Filmmakers have criticized the site, though, suggesting its scores are now meaningless, evident from the past decade's inflation, and that the company has a conflict of interest.

Roughly 43 million US borrowers owe roughly $1.7T in student debt, the second-largest source of consumer debt behind mortgages.

See the evolution of Super Bowl logos and how the NFL refined its visual identity over time

Tracing Super Bowl logos from early, varied designs to today’s standardized look shows how the NFL adapted to shifting design trends, television demands, and brand strategy.

Memecoins are a type of cryptocurrency—a form of digital currency with a wide variety of uses—created around popular 'memes,' or viral internet jokes.

The American Society of Civil Engineers' infrastructure report card gave the US a C in 2025, its highest grade since the project launched in 1998.

Hear 50 years of iconic hip-hop samples, the genre's foundational looped tracks

Long before Major League Baseball began allowing instant replay for balls and strikes, an umpire reluctantly used the technology to determine whether a hit was a home run, a move that inadvertently ushered in a new era for the sport.

English mathematician Ada Lovelace wrote the first computer algorithm a century before computers existed and hypothesized that computing devices would one day be able to compose music—foreseeing the generative AI systems of today.

Visualize how CRISPR-Cas9—a type of immune system used by single-celled organisms to attack invasive viruses—targets and makes precise changes to a gene's DNA.

As of 2025, the most cited papers in science include a review of graphene, methods to improve image recognition, streamlining electron density calculations, and optimizing protein studies.

Netflix profits when you're not watching, and its movies are designed that way—read a detail-rich critical essay exposing lesser-known Netflix takes

The power and influence of the American presidency have expanded significantly over time—far beyond what the founders envisioned.

Watch this video that uses Lego bricks to explain how venture capital works.

The word 'jazz' evolved from 'jasm,' 19th-century American slang for 'energy'

Crows are believed to have intelligence on par with a seven-year-old child and demonstrate complex behaviors, from problem-solving with tools to recognizing human faces.

Visualize the path of every solar eclipse from 1900 to 2099 and see what each looks like when observed from different locations on Earth.

Warren Buffett's former professor Benjamin Graham is known as the 'father of value investing,' a strategy in which investors seek to buy stocks trading below their intrinsic worth.

At the beginning of the 20th century, a group of young men ate standard American food—replete with food additives like borax and formaldehyde—as part of government research to better understand food safety.

Chaos theory—informally known as the butterfly effect—is the reason why weather forecasts are presented with probabilities rather than certainties.

In preparation for this weekend's Eurovision finale, which is something like the World Cup of pop music, here's a young Céline Dion performing (for Switzerland?) at the 1988 competition.

According to the physics of black holes, our 4D reality may be a hologram—a projection of information coded on a 2D surface on the edge of the universe.

Explore fun facts from the USPS, including unique post office buildings, a stamp that traveled past Pluto, and more.

In 2026, Finland was named the world's happiest country for the ninth consecutive year based on its wealth, social safety network, and high life expectancy, among other factors.

The most expensive ad of all time was for Chanel No. 5 perfume and cost roughly $33M to produce in 2004—about $57M in today's dollars.

The hormonal disorder PCOS was renamed PMOS in 2026, a move designed to improve care and research by shifting the focus to the hormonal causes of this condition that affects 1 in 8 women.

Domino's Pizza's 30-minute delivery guarantee was responsible for the chain's 1980s surge, but it was discontinued after the company was found liable for delivery driver accidents.