NOT EVEN CLOSE! Yellow Book is the only one in the industry still in the black.
Since roughly 35% of your score is made of payment history, imagine being able is yellow freight going bankrupt to inject your credit file with 5, 10, even 20 years of perfect payments. It s impossible to come up with a definition that will fit every scenario and apply to every person. So everyday after you make your extra payment, the amount the interest is calculated against is lower.
I cant really gove you an answer,but what I can give you is a way to a solution, that is you have to find the anglde that you relate to or peaks your interest. A good paper is one that people get drawn into because it reaches them ln some way.As for me WW11 to me, I think of the holocaust and the effect it had on the survivors, their families and those who stood by and did nothing until it was too late.