The Psychology of Credit will help you improve your credit score. It will help you have a better understanding of credit and how you can take control of it. This book is for everyone who is interested in learning the ropes of credit management, including qualifying for better interest rates and lower payments. By applying the principles in this book, you can repair your credit and fund your dreams.


Fix the little things that make a big difference in your credit score. Figure out the things that lenders look at to qualify you for loans. The book will effectively share with you the things about your credit score that you did not learn in school.


  • Take control of your credit and get a second chance in life.
  • Understand how to read your credit reports.
  • Take the first steps in understanding the scoring model.
  • Learn how to fund your dreams.
  • Dispute negative items.
  • Maintain good credit.
  • Establish new credit.
  • Improve your credit score.
  • Settle with creditors.
  • Understand why good credit is key.
  • Understand Inquiries.
  • Help your teenagers establish credit.


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“This book is a true winner! It helps you better understand how you can efficiently control of your credit, and how to fix minor things that make a big difference in your credit score. Bag your copy of The Psychology of Credit now!”

—Gee Isa-Al
Author of Home at Last!

“Everybody knows that credit-related issues can be very confusing. It's a relief to know that Marvin and Gloria Smith are here to share their tried-and-tested practices to repair your credit, learn the ropes of managing it, and become qualified for lower interest rates and payments that will ultimately fund your dreams.”

—Jack H. M. Wong
Author of Cracking the Entrepreneur Code

“Here is a powerhouse book of tips, strategy, and approach about your credit score that you never learned in school. The Psychology of Credit is the answer to your credit woes. Take the first educated steps in understanding how to read credit reports, scoring model, dispute negative items, maintain a good credit, and eventually improve your credit score. This book is a gem of knowledge!”

—Benjamin Foo
Author of iPossible!

“It takes less time to fix your credit score than it took to mess it up—that's one of the valuable lessons that you can learn from this amazing book. Help your teenagers establish their own credit, start them young in understanding inquiries, and help them learn why having good credit is key. A brilliant book, indeed!”

—Yvette D. Best
Author of Maximizing Your Tax Refund