Key insight: Experian combines credit, cashflow, trended, and alternative data into one underwriting score. Expert quote: Experian's Scott Brown suggests the model lets lenders "say yes" more often.

Here's the average credit score for Americans in their 50s, what it means for your finances, and how to strengthen your profile before reaching retirement.

Having a good credit score can save you hundreds, even thousands of dollars on credit cards, mortgages and other loans.

In many sports, it's possible to play a game that can be counted as "perfect." Knock down 120 pins with 12 bowls in 10-pin bowling and you've bowled a perfect game. Retire all 27 batters without ...