These people WANT to keep us in debt. I want 000000000000000 debt; not a great credit score. Credit scoring is a sick fraudulent joke.
Moderator Edit - Please read the PM I sent
I want 000000000000000 debt; not a great credit score.
I would think you'd rather have both, which is super easy.
Those that overreact to the scoring penalty for all cards reporting 0 balances or having no open installment loan that cry it must mean we're all being forced to keep debt need to pump the brakes. All it takes is $1 reported on a revolver and $1 reported on an installment loan, so $2 of "debt" to overcome those ~40-55 points lost. Two bucks is not the man holding anyone back or thrusting anyone into debt.
Oh man...I missed the edited part.
LOL! So did I.
Nothing more can be added to this post.