Spoiler alert: Numbers can lie.

The credit score. It's also known as the FICO score. It's that number that's associated with every credit report. We all know about it. Most people have one. But what does the credit score really mean? 

Let's take a deeper look. How is your FICO score determined?

• 35% of your score is based on your debt history

• 30% is based on your debt level

• 15% is based on the length of time you've been in debt

• 10% is based on new debt

• 10% is based on the type of debt

Brace yourself for this: A high FICO score isn't a sign of winning financially. It's an I-love-debt score. Think about it. It doesn't factor in your income, your savings or your net worth. All it tells you is whether you are good at borrowing money and paying it back. 

On Baby Step 2, you're trying to get out of debt, not get in deeper. So stop worrying about your FICO score. Focus on paying off that debt and setting yourself up to reach your financial goals. 

Don't forget to track your progress in the Debt Snowball Tool as you go!