Just posted something similar. There is always an excuse.
FICO 837:
Held four nonsense reasons to justify score, consumer finance was one listed. It means little to nothing. It's just a report marker.
$XXX,XXX in credit lines.
Multiple months in free credit reward vacations.
$X,XXX in bank rewards in only 12 months.
I like FREE...
800+ FICO.
Making all numbers dance on a financial ledger.
Abuse that score responsibility.
Take nothing I say as financial advice. DYODD.
