Credit Score Made Simple

Your credit score is a report card, not a character witness — and it runs on rules you can learn. This book decodes the five factors behind every FICO and VantageScore, explains what each one actually measures, and shows you the steady, boring faithfulness that raises a score over time: pay what you owe, on time, and don't borrow more than you can handle. The guide you wish someone had handed you at 22.