I keep my credit cards paid off and last time I checked my credit score was like an 843 or something.
this post was submitted on 25 Jul 2026
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It’s just a measure of how safe you are to lend money to.
You have systematically proven you will pay them back. Hence your score is good.
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(6 replies)
Banks are not government associations. They are scammers. Don't interact with them. Take out your money. Don't get in debt
The credit score is how financial institutions measure how good of a source of money to extract from you are. It penalizes you for actually being responsible with your money, because you’re not as valuable to them if they’re not earning interest from you.
Pissed me off when my score went down after paying off my car in less than 2 years. That’s when I learned the reality or what it actually is.
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(1 replies)
I just keep my score at shit levels cos the amount of junk mail I get when it’s good is worse than having bad credit (subjectively)
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(4 replies)
The trick is to pay it off, but never fully. At least that seems to be working for me