CREDIT cover art

CREDIT

The Score That Rules Your Life

 Preview
Try Standard free
Select 1 audiobook a month from our entire collection.
Listen to your selected audiobooks as long as you're a member.
Get unlimited access to bingeable podcasts.
Auto-renews at $8.99/mo after 30 days. Cancel anytime.

CREDIT

By: James Johnson
Narrated by: Dave Terrell
Try Standard free

Auto-renews at $8.99/mo after 30 days. Cancel anytime.

Buy Now for $5.50

Buy Now for $5.50

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 Personal Finance Politics & Government
No reviews yet
In the spirit of reconciliation, Audible acknowledges the Traditional Custodians of country throughout Australia and their connections to land, sea and community. We pay our respect to their elders past and present and extend that respect to all Aboriginal and Torres Strait Islander peoples today.