In this episode, Erik Kroll returns to break down the fundamentals of credit scores—what they are, how they’re calculated, and why they can have such a significant impact on your financial life. From qualifying for loans to getting the best interest rates, we cover the real-world consequences of your credit profile and how to build and protect it over time.

Whether you're starting from scratch or trying to boost your score, this episode gives you the tools to take charge of your credit with confidence.

Connect with Erik or learn more at hilltopfa.com.