This has been true for credit scores since ever. in order to have good credit, you have to have some kind of credit, and USE it each month and pay it off. If you don't use it you lose it and if you aren't approved for going into debt, you have no credit at all. Your score is not a "payment history score" https://www.investopedia.com/terms/c/credit_score.asp And if you don't ever plan on using debt, you should never give a crap about a credit score anyway.
This has been true for credit scores since ever. in order to have good credit, you have to have some kind of credit, and USE it each month and pay it off.
If you don't use it you lose it and if you aren't approved for going into debt, you have no credit at all.
Your score is not a "payment history score"
https://www.investopedia.com/terms/c/credit_score.asp
And if you don't ever plan on using debt, you should never give a crap about a credit score anyway.
And you don't have to have debt to use credit. I put almost everything on cards and I pay it off in full every two weeks when I get paid. I have a 830 credit score. This was without a mortgage or car note.
And you don't have to have debt to use credit. I put almost everything on cards and I pay it off in full every two weeks when I get paid. I have a 830 credit score. This was without a mortgage or car note.