You had me at '850.'

The biggest credit reporting companies are changing how they report scores.

The FICO credit score is one of the most significant numbers we live with. Turns out it's only 25 years old.

We know that credit goes way beyond the plastic in our wallets — from how much debt we carry to paying it off on time. Now, some credit agencies are looking into using our social media information in our credit reports.

Personal finance columnist Liz Weston joins the show to answer credit questions from our listeners. When should you get a credit card? When is too early to sign up for a credit monitoring program? How do you rebuild credit after a bankruptcy?

And you thought talking about the pre-nup was awkward… try bringing up a credit score on a date.