How to Outsmart the Credit Bureau

Merriam Webster defines credit as the favorable estimate of a person’s character, reputation, or good name. My definition is the accumulation of debt for the purpose of creating a good name. I do not think that Webster’s calculated or considered the trials and financial problems that a person may face during the struggle of trying to live. I am sure there will be many upstanding individuals who will not agree with some of the practices and procedures I have disclosed throughout this book, but I guarantee that these people are having no problem obtaining credit for the purpose of feeling like they have a good name. What I mean by this is most of us feel a sense of pride when we apply for credit and receive it, as opposed to feeling embarrassed or disappointed when we do not.