CREDIT
The Score That Rules Your Life
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Narrated by:
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Dave Terrell
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By:
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James Johnson
About this listen
You didn’t create it. You didn’t agree to it. But it controls your life.
This is the story of credit, not as a convenience, but as a control system. Behind every mortgage denial, sky-high car loan, or job rejection, there’s a silent judge pulling the strings: your credit score. And it doesn’t just follow you. It defines you.
In this book, JJ breaks open the black box. You’ll see how private companies like Equifax, Experian, and TransUnion turned your financial behavior into a commodity. From FICO’s secret formulas to the shadowy credit industrial complex, this book reveals the full machine and how it’s rigged to punish the poor, trap the invisible, and profit off your pain.
If you think your score is just a number, you’re not ready for the truth.
©2025 James Johnson (P)2026 James Johnson