W2 Capitalist | Earn. Invest. Repeat.

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