So much straight up misinformation in this thread lmao. My credit score was in the 790s-810s up until this year. I’ve never missed a credit card payment, I’ve always paid it off in full every month, and I’ve paid off every loan I’ve ever taken out early. I’ve only started carrying a bit of a balance this year as we work on home renovation projects, and my credit score has started dropping because of it.
So much straight up misinformation in this thread lmao. My credit score was in the 790s-810s up until this year. I’ve never missed a credit card payment, I’ve always paid it off in full every month, and I’ve paid off every loan I’ve ever taken out early. I’ve only started carrying a bit of a balance this year as we work on home renovation projects, and my credit score has started dropping because of it.