If we’re honest, most of us learned about credit the same way we learned about taxes, insurance, or estate planning: late, reluctantly, and usually after we made a costly mistake. No one pulled us aside in high school and said, “Let me show you how a three-digit number could shape the cost of your mortgage, your ability to rent an apartment, your insurance premiums, or even your career opportunities.” Instead, we were handed credit cards before we were handed wisdom—and many of us paid the price for that imbalance. This book was written to close that gap. Building and Maintaining Good Credit is not just a financial guide. It is a stewardship guide. Like Uniform of the Steward, it begins with one foundational truth: everything we manage belongs to God first—including our credit history, our financial reputation, and the habits that shape both.