This is the best summary I could come up with:

When credit scores were invented just a few decades ago, they were hailed as a way to democratize lending.

Today, they’ve become so essential that not having one can lock you out of daily life.

Having a low score can make life challenging, too.

These scores have a long history — and a lot of problems.

In this video, we’ll show you where they came from, how they’ve changed over the years, and explain what that three-digit number means for you.

Secret doesn’t have a say in our editorial decisions, but they make videos like this possible.

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