this post was submitted on 04 Dec 2025
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Asklemmy
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The credit score system is one of the most bullshit systems ever created.
The only way you can increase it, is paying off loans and very few bills. It's also easier to lose points than gain them. It took me 3 and a half years to pay off a $5k loan just to see my credit score get back to 714. Once it was paid off and of course I signed a new lease, about a good half of that score went down so I'm back to slowly building it again.
It's bullshit. And so many things rely on a good credit score. Whether you'll be approved for an apartment, whether you'll get good rates on a car deal or whatever.