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this post was submitted on 20 Aug 2023
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Asklemmy
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Credit scores. It goes up when you have more debt and goes down when you pay your debt off, but it goes down if you ask for a loan and it goes down if you even try to check what it is.
Absolute nonsense.
Yes that's not my experience. It's a measure of how responsibly you utilize your debt. They like to see you use your debt. But they like to see you pay it off. They don't like for you to sit at a high percentage of debt. And they like to see that you've used your debt responsibly for an extended period of time
They want you in debt so you're forced to work, and so that they can grift interest money off you. According to their system it's irresponsible to not have debt, and it's also irresponsible to ask what their magic number is.