Truth > Trends: The Real Talk on Credit Education

If you don’t read or listen to the news, you're uninformed. If you do, you’re misinformed.

So what happens when we’re constantly flooded with information, but little of it is true or useful? In today’s media-driven culture, one of the greatest temptations is the race to be first—not to be accurate, not to be thoughtful, not to be honest—but simply to be first.

We now live in a society where truth often takes a backseat to speed. “Get it out there” is the mantra. Doesn’t matter if it’s been fact-checked. Doesn’t matter who it hurts. Just say it. Sell it. Package it. Push it.

But anything you practice; you get good at—even if it’s nonsense. Repetition turns fiction into “fact” in the eyes of many, especially when it's shared with confidence. And that mindset? It’s poison when it comes to credit and personal finance.

So how does this culture of misinformation affect credit?

In a world that rewards clicks over credibility, people are bombarded with oversimplified, misleading, or outright false advice about credit. One viral video or “hack” can plant an idea that sticks—and it can do real damage. People are told to close old accounts to boost their score (which often does the opposite), or to max out cards and pay them off later to “build credit,” or to dispute everything on their report just to get a temporary score bump.

This isn’t harmless. It’s dangerous.

In credit, one false move—one incorrect piece of information—can mean the difference between getting a mortgage or being denied, landing a job or getting passed over, getting approved for a business loan or being stuck in a cycle of debt.

As an educator, my most important responsibility is to be truthful. Not to be trendy. Not to be the first one on your feed. My job is to tell the truth—even when it’s not what people want to hear. Because the truth is what empowers people to make lasting, informed financial decisions.

In credit education, there are no magic tricks. There’s no “one-size-fits-all” solution. And anyone promising instant results is usually more interested in making a sale than making a difference.

Truth is the foundation of trust. And trust is the foundation of lasting financial stability.

We don’t need more noise. We need more clarity. We don’t need to go faster. We need to go smarter. When we prioritize truth over speed, accuracy over attention, and substance over style—we help people take control of their credit the right way, for the long haul.