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How credit scores are evolving to improve access to credit

File - Credit cards as seen July 1, 2021, in Orlando, Fla. A low credit score can hurt your ability to take out a loan, secure a good interest rate, or increase a credit card spending limit. (AP Photo/John Raoux, File) File - Car shoppers consider a 2022 Cooper convertible on display in a Mini dealership in Highlands Ranch, Colo., on Friday, Feb. 18, 2022. A low credit score can hurt your ability to take out a loan, secure a good interest rate, or increase a credit card spending limit. (AP Photo/David Zalubowski, File)