Credit, Credit Scores and the Maths of Borrowing

ℹ️ This is education, not financial advice, and not a recommendation about borrowing. Terms and credit systems differ by country — check your own before acting.

What you'll have at the end

• What a credit score actually measures and what moves it
• The ability to read the true cost of borrowing (APR) instead of the monthly payment
• A repayment analysis showing what "paying only the minimum" really costs — the MN-04 mechanism, turned against you

Prerequisite

• MN-04 — Compound Interest. Borrowing is compound interest running in reverse; you need that mechanism first.

Borrowing is compound interest pointed at you

MN-04 showed compounding as a force that grows savings over time. Debt is the same force in reverse: interest piles onto interest, and the lender is on the winning side of it. Understand two things — how lenders decide whether to lend to you (your credit), and what the borrowing actually costs (the maths) — and you stop being the person that machine is designed to profit from.