The grade of financial health, once a mere detail on loan applications, has transformed into a daily concern for many Americans. As individuals increasingly monitor their financial scores, understanding and improving these ratings has become essential for managing personal finances and securing loans. This shift highlights the growing importance of financial literacy and the impact of credit scores on everyday life.  ----------------------------- ​The grade of financial health, once a figure tucked away on loan applications, has become an everyday obsession for more Americans.  Read More from WSJ.com : Personal Finance

​I keep a tight rein on my spending throughout the year. But for my birthday, I focus on what I want, not just what I need.  Read More from WSJ.com : Personal Finance