People Twitter

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Credit score is a poorly implemented modern invention. (discuss.online)

submitted 2 weeks ago by VetOfTheSeas@discuss.online to c/whitepeopletwitter@sh.itjust.works

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[–] Crackhappy@lemmy.world -3 points 2 weeks ago (1 children)

My wife has a really high credit score. It's taken me years to get her to understand that it's not a rating of how good you are at paying your debts, but how much of a sucker you are.

[–] zalgotext@sh.itjust.works 8 points 2 weeks ago

So much straight up misinformation in this thread lmao. My credit score was in the 790s-810s up until this year. I've never missed a credit card payment, I've always paid it off in full every month, and I've paid off every loan I've ever taken out early. I've only started carrying a bit of a balance this year as we work on home renovation projects, and my credit score has started dropping because of it.