Redit Score: The most important number in your life

Please disregard Style type noted. Use the attached as guide. This term paper is to include footnotes at the end of every page citing sources. No biblography is needed at the end of the paper. I picked 15 sources but a little less is fine. I will make more comments as needed.

This term paper is about Credit score. How did it come about? What makes up a credit score, how is it impacted. What is the impact of credit score.