My credit score dropped when I paid off my car.

My credit score dropped when I paid off my student loans.

Credit agencies told me: "You should get more loans to increase your credit score."

The system punishes you for not owing any money.

They want you in debt forever.

Credit scoring is one of the biggest scams.

@FluentInFinance When I bought a house in 2007, I had no debt, no credit cards, and no prior financing arrangements, so I had to jump through all kinds of hoops to prove my financial existence. Steady employment, paid everything in full, and I was the weirdo outlier.