Right. We use credit cards exclusively. We pay them off every month, never carry a balance. Our score is always in the high 700s sometimes 800 ish. 🤷‍♂️

because a lot of lemmy posters think they are geniuses, when they are simple arrogant idiots who spout ignorant propaganda to feel superior.

it's wild to me how many like basic facts of reality are viewed as some sort of conspiracy or exploitation.

credit scores are ridiculously simple, and if you have a crappy one it's because you don't pay back what you borrow. but sad losers will make up this elaborate nonsense and spout lies to make themselves feel better as to why their score is in the tank, rather than fess up that they simple don't pay off their loans.

a lot of the commentary here reminds me of weight loss people complaining they can't lose weight, when they cut back from a 4000 calorie diet to a 3500 calorie diet, but only burn 2200 calories a day... and they wonder why they can't lose weight. because if you only burn 2200 calories, you need to eat less than 2000 to lose weight.

basic arithmetic.