2 guides

Credit & Debt

What actually moves a credit score, which payoff order is faster, and how to force an error off your report for free.

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How Credit Scores Work: The Five Factors That Move Them

What goes into a FICO score, how much each factor is worth, how fast each one moves, and which common beliefs about building credit are simply wrong.

September 1, 20266 min read

The two payoff orders compared on the same $34,000 of debt, with the real interest difference, and why the worse method often wins in practice.

October 8, 20267 min read