I have shit credit but I also have 0 debt. Funny how you need debt to get more credit. They call it "assets".
And having shit credit and zero debt puts you light-years ahead of the average joe with an 800 credit score. Good work lad
Yeah I have what they call a "thin file" because I have no debt and have two credit cards open and only use one of them, which I of course pay in full each month. That's it. Therefore my credit score is okay, not bad but not good either. They encourage "good debt" so you can show you're a good goy. It's a scam
I have to have 2 because 1 is an Amex. Actually liked using the Amex from Costco, but those bitches canceled the deal. But Amex still has the best rewards so I got a platinum card.
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