I have really good credit scores. I have had really good credit scores for years. Two of my credit cards provide me with the credit scores. One credit card also provides me with a report regarding my credit score. There were two reasons why my credit was not better. One was that I did not have any or enough installment loans that would indicate my ability to make payment on installment loans. (What, I have to owe something to have a better credit score. That is a bit oxymoronic, don't you think?) I think this means I manage my finances in a way that does not require me to be in debt, don't you?
The other reason was that I do not have enough monthly bills or do not pay my monthly bills on time. That really sucks. I mean it is one thing not to have enough monthly bills to pay. Which, to me, again means I manage my finance in such a way that I do not need to have a lot of bills. But to lump that in with I do not pay my monthly bills on time. Come on. That is really weak. It is just an excuse to penalize someone. What a joke. Not having bills to pay does not nearly compare with not paying bills on time.
Well, that tells me what a joke credit scores are. The problem is, credit scores are taken seriously . Well, at least I come out okay.
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