Summarise What a Credit Score Actually Measures

Most people know their credit score matters but not what it is actually measuring. Being good with money does not automatically mean a good credit score. Having no debt can mean a bad one. This explains what the score reflects, what it ignores, and the one thing that actually moves it.

Explain what a credit score actually measures, in plain English. Cover: what factors affect it and roughly how much, what it does not measure that people often think it does, why someone with no debt might have a poor score, how quickly it can change and why, and the one most impactful thing someone can do to improve a poor score. Keep this to around 250 words.