You're listening to LifeKit from NPR.

Hey, Sarah and Sally's here.

Usually, I am with a different NPR podcast called Planet Money.

We are an economic show, so we tell stories about like where credit cards came from,

or about the two brothers who basically created the credit score.

It was in Brooklyn, New York, by the way, in 1874.

And today, I am here with LifeKit to talk a little bit more about credit scores.

We dig into some practical tips when it comes to our own financial situations,

because our credit scores are not just a number that tells lenders how reliable we are.

It's a whole game.

You actually don't have to be as disciplined with credit.

You just have to know the rules of the game and play within them.

So when someone says, I'm good at everything else, but my credit is a hot mess.

I'm like, whohoo, that's excellent, because that's the one that you actually don't have to be

Michael Jordan.

That is Tiffany Alice, better known as the budget Nista.

She teaches people how to be smart with their money.

And here's the thing about the game of credit.

The rules are not so easy to find.

Like, you have probably heard conflicting ideas when it comes to your credit.

Like, pay off your credit card in full every month.

And then, no, don't pay off your credit card in full every month.

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