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His dream wasn’t a bigger car or a fancy condo in the city. He wanted to move to . He imagined himself navigating the rental markets of Tirana, breaking free from the high interest rates of the US, where even a "healthy" score sometimes felt like it wasn't enough to beat the system. He had $50,000 in savings, no debt, and that magic 724.

For years, Leo had been a "hustler". He’d flipped eleven cars, making close to $18,000 in profit, and ran a small online store selling pocket knives. He had worked 9-5s, DoorDashed in the rain, and lived frugally, all to see that number climb. In a world where a score of 724 is considered "good" and signifies reliable credit management, he knew he finally had the leverage he needed. 724credit

He spent the evening researching. He read about others who had maxed out their credit cards or struggled with late fees, feeling a pang of sympathy for those stuck in the cycle he’d just escaped. He looked into international loans, wondering if his US-based score would hold weight across the Atlantic. His dream wasn’t a bigger car or a fancy condo in the city

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