[onewhippedpuppy]

Originally Posted by Crowbob

Glen is correct about this. Your credit score is irrelevant if you are a conscientious money manager.

The ‘credit score’ people have designed an incomprehensible criterion that has one goal. That goal is to convince you to borrow money.

If your goal is to have a CS over 820 have at it. But of your goal is to secure a sustainable financial situation, ignore the CS people.

Bingo, the entire thing is a scam conceived by the credit industry to incentivize bad behavior. The ultimate scenario would be to have a zero credit score because you pay cash for everything. The fact that your credit score can’t be explained definitively pretty much says it all. Math shouldn’t be ambiguous.