The HFPS (Healthy Financial Practices Score) is designed as an alternative financial health formula that prioritizes practical finances over opaque credit history systems by the Credit Bureaus. Unlike traditional credit scoring models, which tend to overweight historical credit events and debt mixes, HFPS is purpose-built to reflect financial discipline, liquidity readiness, and behavioral soundness. The composite score goes up to 850 and is derived from weighted financial health factors.

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