this post was submitted on 07 Aug 2025
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Danm, I’m checking myself into the burn ward currently. I wish I could up my social credit score making memes like this 😉.
To a degree, paying off loans in full actually reduces your credit score. Credit score is purely a score of how juicy you are to lendors. Lendors don't like people who pay off loans in full because that means you're not paying them anymore.
To increase your credit score, take on more debt that you can pay off and pay it dutifully every month.
(This is not financial advice)
Look, the hospital is going to put me in enough debt that I’m going to have to give them one (or two) kidneys if I don’t want them to end up with my house. No time to pay back any loans right now.
做很好 +100 FICO Credit Score