Maintaining a high credit score will mean more for some people than others. If you lead a financially simple life- have one home, perhaps a child or two, earn money- but aren’t in debt or particularly rich, your credit score probably should not be the first thing on your mind. However, if you like to live rich, invest in real estate, perhaps leverage yourself in your transactions, your credit score will make a big difference. It’s sort of like a comprehensive resume which some other agencies make for you. Your score varies from 450-850 based on a variety of factors and changes on a regular basis.