A credit score range reflects a person’s creditworthiness and is based on factors like payment history, credit utilization, and length of credit history. Common scoring models, like FICO, use a range from 300 to 850 to assess how likely a person is to repay borrowed money. Although a credit score can impact your ability to get loans, credit cards, or rental agreements, it has no direct relation to a 401(k). A 401(k) is a tax-advantaged investment plan offered by employers to help employees save for retirement. Contributing to a 401(k) and growing those funds over time has no immediate effect on your credit score, and the account doesn’t show up on your credit report. Confusing credit scores with investment tools like a 401(k) can lead to financial misconceptions. Both are important, but they operate in different areas of personal finance.