this post was submitted on 18 Aug 2025
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You're no longer proving continously that you can keep paying reliably (yes it's dumbass logic)
It's your credit age actually, it gets cumulatively lower because whatever loan it is isn't adding to your credit age, which is absolutely ridiculous.
Ah, yes, "it's taken this dude longer than this other dude to pay off his debt, surely we want to give him MORE credit"
It's designed so that "sweet spot" customers have the best credit scores, those who have enough to reliably pay but not enough to pay it off any time soon.
Bullshit, my score's in the 800s and all I do is use my credit card for everyday purchases, and pay it off every month. I never carry a balance or pay a cent of interest, nor do I have any installment loans (car loan, etc.) at all.
Tons of confident incorrectness in this thread.