Return on Credit

This may shock the socks right off you, but your credit score could cost you a half-million dollars by the time you reach retirement.


Simple: Lenders are wary of you, so they charge you more interest.

Let’s run through an example to show you what we mean:

Meet Jack and Jill. Jack’s credit score is 780. Jill’s is 580. Each of them buys a $250,000 house when they’re 35-years old.

Jack is charged 4.5% interest.

Jill is charged 6% interest.

Based on principal and interest alone:

  • Jack’s 4.5% payment = $1,266.71
  • Jill’s 6% payment = $1,498.88

If you take the difference, Jill pays $232.17 more than Jack each month. Over the course of 30-years, she’ll pay $83,581.20 more.

Not only is Jill paying more than Jack, but guess what Jack did with his $83,581.20? He invested it at 6%. Now he can pay off his house and have close to half a million dollars in the bank for retirement.

This is called return on credit, and it’s a powerful, life-changing concept we want to help you understand and take advantage of!

Ready to take the first step to improving your credit and buying a home? Download our free book here.


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