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?
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.
