Jorge was declined when he applied for a loan. He has no idea what his credit score is. He doesn’t have a job and sometimes he forgets to pay his cell phone bill. Of all these things, which is the most important to change?

Answer 1

The most important thing for Jorge to change is to establish a consistent source of income (i.e. getting a job). Without a job, it will be difficult for Jorge to maintain a good credit score and to pay his bills on time. Once he has a steady income, he can then work on improving his credit score and ensuring all of his bills are paid on time.