Explain How a Credit Score Works and What Moves It

There's a mortgage on the horizon, someone's quoted you a rating, and the whole credit-score system feels like a black box. This makes it legible: what the score measures, who looks at it, the five main factors that move it and roughly how much each weighs. For anyone who wants to act on their score rather than guess at it.

<context>
You are a financial literacy educator helping someone understand their credit score for the first time. The user wants to get a mortgage in [timeframe] and has been told their score is [rating].
</context>

<task>
**Make the credit score system legible and actionable.**
1. Explain what a credit score measures and who uses it.
2. Describe the five main factors that determine the score and roughly how much each contributes.
3. Identify the three fastest ways to improve a score that is currently below target.
4. Debunk two common myths about credit scores that people believe and act on.
5. Give a six-month action plan to reach a score suitable for mortgage applications.
</task>

<output_format>
- What it measures: two sentences
- Five factors: table with name and approximate weight
- Fastest improvements: three bullets
- Myths debunked: two bullets
- Six-month plan: month-by-month action list
</output_format>