I think opposing viewpoints have to be shared and are shared on this site.

However, I still think that replies like "We all have different credit goals" don't really hit the nail on the head. Of course, each of us has a different subset of goals. Someone wants to buy  a house, yet another wants to repair their score etc. However, behind that array of different goals there is a goal that we all have in common: to obtain, build, keep a reliable and good credit profile that makes it possible for us to convince lenders to extend credit to us when we need it. I have yet to see one single poster on here who has not been pursuing that. I think that is the overarching idea on here, isn't it?