Here we consider some options related to credit scores, some tips, potential changes, some pros and cons and some details on what to consider. We also talk about opinions on debt. And how that can be potentially used for our own benefit. As usual we talk also about the psychological components involving debt and loans and I aren’t gratification versus discipline when it comes to having access to large sums of money. It can be hard to be patient but it’s definitely possible and you can do it.