About Michael
Michael Torres is 67.CREDIT's Credit Score & Approval Analyst. As a former credit underwriter at a top-5 card issuer, he reviewed thousands of applications and learned exactly what drives approval decisions, credit limit assignments, and risk scoring. He holds Series 7 and Series 63 licenses. At 67.CREDIT, Michael writes approval odds guides, credit score explainers, and utilization strategies. His insider perspective helps readers understand what issuers actually look at, beyond the marketing copy.