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Credit Scores

Understanding credit scores, how they work, and how to improve them.

Credit Scores Explained: What They Are, How They Work, and Why They Matter

February 15, 2026February 14, 2026 by Thomas Sever

When my credit score was 530, I didn’t really understand what that number meant. I knew it was bad. I knew it meant I couldn’t get approved for things. But I didn’t understand what went into it, how it was calculated, or what I could actually do to change it. Most “credit score explained” articles … Read more

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