THE BOOK / COMING SOON
Borrowed Mistakes.
By Michael LugenbellTHE STORY. THE COST. THE UNDERSTANDING.
The credit education
I learned the hard way.
Most people are never taught how credit actually works. Not in school. Not in the military. Not at the bank. They figure it out after the damage is already done.
Borrowed Mistakes follows my own experience: the mistakes I made, what they cost my family, and what I finally figured out after years of getting it wrong.
Each chapter tells a piece of that story and connects it to the credit education that goes with it. The concepts land differently when you understand the human cost behind them.
What happens when
effort meets a system
nobody explained?
The rules I didn’t know.
Credit reports, scoring, and the difference between making payments and understanding the system.
The cost of getting it wrong.
The choices, financial setbacks, and blind confidence that brought the lessons home.
The way back.
Rebuilding with understanding, recognizing patterns, and approaching the next decision with better questions.
WHO THIS IS FOR
If you’ve been trying
to do the right thing,
and still felt lost.
Veterans will recognize where this story starts. You don’t need to have served to recognize the confusion, the setback, or the feeling that everyone else got an explanation you missed.
This book is for readers who want to understand their credit, make sense of a financial setback, or approach their next borrowing decision with better questions.
It offers personal experience and credit education. It does not promise a particular score increase or a shortcut around the work.
THE NEXT CHAPTER
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