Much Ado About Credit Scoring

There is A LOT of stuff on the internet about credit scoring. I would be in denial if I said I did not feel slightly overwhelmed. I am looking for a simple overview of how to calculate credit score. I would love some feedback from any of you who are familiar with the subject. Probably a lot of you are just as clueless about it as me however. It is no surprise that as a country we are so deep in debt! I wonder why topics like this are not covered better in high school. Should this not be common knowledge everyone should know?

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