Yeah sorry I agree with you. Entire point of the credit system is to let people like mortgage lenders know how trustworthy you are. All you really need for a good score is to simply pay things off on time. If you ignore the small things, how will you treat the big things?
Hot take - If you can’t pay for a damn video tape rental you can’t be trusted to pay your house loan.
Yeah sorry I agree with you. Entire point of the credit system is to let people like mortgage lenders know how trustworthy you are. All you really need for a good score is to simply pay things off on time. If you ignore the small things, how will you treat the big things?