Overview

Every day, millions of people walk into banks, car dealerships, and mortgage offices believing they understand how credit works-only to walk out confused, denied, or drowning in debt. Consumer Lending: What They Forgot to Tell You is the insider guide to the financial industry. Drawing from over two decades in lending, Reg B lifts the curtain on the real rules of borrowing-revealing what truly determines an approval, why ""good credit"" isn't always good enough, and how everyday people unknowingly sabotage their financial futures. This isn't another generic budgeting book. It's a rare, behind-the-scenes education delivered by someone who has worked on the inside of loan approvals, declines, underwriting decisions, credit score evaluations, and lending policies for years. You'll learn: Why high credit scores STILL get denied The hidden ""5 C's"" that determine lending decisions How to build, repair, and protect credit the right way The truth about auto loans, GAP, warranties, and negative equity What lenders look for-but rarely explain How interest, fees, and promotions quietly drain thousands The real mechanics behind credit cards, refinancing, and consolidation How to avoid credit traps that keep people stuck for decades Written in clear, compassionate language and packed with real-life scenarios, biblical wisdom, financial strategies, and step-by-step guidance. It will empower you to make informed, confident decisions long before you ever sign your name. Whether establishing or rebuilding credit, making a major purchase, or feeling lost in the lending process, this book gives you the knowledge and tools needed to get control of your finances.

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