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The magic word in that question is “expect.” When it comes to getting your credit into better shape, what expectations do you have? For a lot of folks, it’s hard to say, because credit is a nebulous, nasty business run by shady corporations who take our data without our consent and basically create a financial report card for lending institutions to pay for. The banks pay through...the...nose to the three credit bureaus: Experian, TransUnion, and Equifax. Experian alone reported revenue in 2018 of 4.6 billion dollars. WHAT!?   Not to be cliche, but that’s billion, with a “b.” When was…

  When was the last time you told anyone your credit score? Go ahead, think about it… ...have you thought about it? If you thought about it, I bet it wasn’t too recent, unless you were bragging to your friends over a drink still tradeline and that somehow strangely came up. Or you are in the dating game, and you are smart, and you asked what your date’s score was. Hold that question till around dessert if the date is going that well. Hopefully it stays going well. Credit just isn’t something we share too often. If it’s low you…