Debt & Credit

Credit scores, payoff strategies, and the difference between debt that builds and debt that bleeds.

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Lesson 1: What actually moves your credit score (and what doesn't)

Payment history is 35% of your FICO. Income isn't a direct factor at all.

Math says avalanche. Psychology often says snowball. Both work.

Some debt builds an asset. Some just buys depreciation. Know which you're taking on.