Is FICO Really the Problem, or Do We Not Know How to Play the Game?

W2 Capitalist | For BRRRR-ing, Married, Busy Parents

Many of us weren’t taught how credit scores work or how to manage credit effectively—we often learn the hard way. As both a landlord and hard money lender, I rely on the FICO system to evaluate potential residents and applicants. But as a borrower, it can feel like this system is designed to punish rather than help.

If you’ve ever felt frustrated with your credit score, you’re not alone. It’s easy to believe the system is unfair, especially when a few mistakes can cause a significant drop. But the truth is, FICO isn’t out to get you—it just operates by a set of rules that most of us weren’t taught.

This episode explores the realities of the FICO system, breaking down how it works and how you can use that knowledge to your advantage. By understanding the factors that influence your credit score—like payment history, debt burden, and credit utilization—you can make informed decisions that positively impact your financial health.

It’s not about fighting the system; it’s about learning how to make it work for you. If you’re ready to take control of your credit journey and stop feeling at the mercy of a number, this episode offers insights that could change the way you approach your finances.

What’s one thing you’ve learned about managing your credit? Share your thoughts in the comments and don’t miss the July 22nd episode for hacks on improving your credit score.

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• The W2 Capitalist Community

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