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Textos sobre os temas do trabalho de Jonathan Machado.
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FICO vs VantageScore: Key Differences
FICO dominates most lending decisions while VantageScore is used by free credit apps. Learn how the two models differ and which actually matters.
Jonathan Machado
Rebuilding Credit After Bankruptcy: A Realistic Roadmap
Rebuilding credit after Chapter 7 or Chapter 13 bankruptcy: 7 to 10 year reporting, secured card path, and the realistic score recovery curve over 2 years.
Jonathan Machado
The Mortgage Pre-Approval Process: Step by Step
What mortgage pre-approval actually is, how it differs from pre-qualification, and the steps to get pre-approved before you start shopping for a home.
Jonathan Machado
Debt Snowball vs Debt Avalanche: Which Method Is Right for You?
Debt snowball vs avalanche: psychology versus math. The snowball builds momentum with quick wins; the avalanche saves more in interest. Here is how to choose.
Jonathan Machado
Credit Card Debt Payoff Methods That Actually Work
Credit card debt payoff: avalanche for lowest interest, snowball for momentum, balance transfer cards, and a realistic hybrid for most consumers.
Jonathan Machado
Personal Loan vs Home Equity Loan
Compare personal loans and home equity loans on rate, risk to your home, funding speed, and tax treatment. Learn how to match the loan to your use case.
Jonathan Machado
When to Close a Credit Card Account (and When Not To)
Closing a credit card can hurt your score in two specific ways. Here is a clear framework for deciding when the close is worth it and when to keep the card open.
Jonathan Machado
Late Payment Fees: How to Avoid and Negotiate
Late credit card fees can be waived more often than people realize. Here is how the fees work, the federal cap, and the exact script for asking for a refund.
Jonathan Machado
Store Credit Cards: Are They Worth It?
Store cards offer immediate discounts and easy approval, but the high APR and narrow utility usually make them a poor long-term fit. Here is when they do and do not make sense
Jonathan Machado
Fixed-Rate vs Adjustable-Rate Mortgages: How to Choose
Side-by-side comparison of fixed-rate and adjustable-rate mortgages, with the math behind each and the buyer profiles each one fits.
Jonathan Machado
Cashback vs Travel Rewards: Which Strategy Pays You More?
A practical comparison of cashback and travel rewards credit cards, with the math behind each strategy and guidance on which fits your life.
Jonathan Machado
Building Credit From Scratch: A Practical Starter Plan
Build credit from zero using a secured card, credit-builder loan, authorized user status, and rent reporting. Realistic timeline and the order that works.
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