John Mackey
I can now be found on Substack here: creditgenius.substack.com
Where Most People Get Credit Wrong
Most people think credit is about doing the right things.
Pay on time. Keep balances low. Don’t mess up.
That’s what they’re told.
But the system isn’t measuring effort.
It’s measuring patterns.
And if you don’t understand the pattern…
you don’t control the outcome.
John Mackey – Credit Expert | Substack Author
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