Young woman with credit card. “Exceptional.” Depending on one’s frame of mind, the word may conjure up anything from a mint condition rookie card to possibly being asked, again, to stay after class.

Credit scores don’t matter unless you’re trying to get a loan, rent an apartment, secure insurance, buy a home, avoid paying a deposit to utility companies, or even land some jobs. OK. Unless you’re ...

Your credit score isn’t just a number. It’s a financial gatekeeper. It tells lenders how risky—or reliable—you are when it comes to managing debt. Whether you’re applying for a mortgage, credit card, ...