How do credit scores work? 2 finance professors explain how lenders choose who gets loans and at what interest rate

By D. Brian Blank, Assistant Professor of Finance, Mississippi State University
Tom Miller Jr., Professor of Finance, Mississippi State University

With the cost of borrowing money to buy a home or a car inching ever higher, understanding who gets access to credit, and at what interest rate, is more important for borrowers’ financial health than ever. Lenders base those decisions on the borrowers’ credit scores.

To learn more about credit scores, The Conversation consulted with two finance scholars. Brian Blank is an assistant professor of finance at Mississippi State University with expertise…

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~	Myanmar: Rohingyas in firing line as Rakhine conflict intensifies

~	Sevdah: The perfect marriage of preservation and innovation

~	Five things our research uncovered when we recreated 16th century beer (and barrels)

~	The UK is poorer without Erasmus – it’s time to rejoin the European exchange programme

~	China’s new world order: looking for clues from Xi’s recent meetings with foreign leaders

~	Three reasons to support environmental defenders

~	Taylor’s clues and Ripley’s secrets – what you should see and listen to this week

~	Wild turkey numbers are falling in some parts of the US – the main reason may be habitat loss

~	Getting a good night’s rest is vital for neurodiverse children – pediatric sleep experts explain why

~	Caring for older Americans’ teeth and gums is essential, but Medicare generally doesn’t cover that cost