"It seems like the more debt you have, the easier it is to get credit," says Mr. McEldowney. "We don't have credit cards, and we try to be responsible with our debt."
It would seem the system would reward you for being responsible and live within your means. My score had not gone up in many, many months, reason why...no credit cards. Got some cards...up goes my score. I understand the score theory and I also realize who pays the bills at EQ/EX/TU and it is not you or I...sorry for the rant.
Current Score: EX 772 EQ 777 TU 783 15 Jan 17