"Credit Score" Is A Scam And They Know It

Credit score is something I have never understood. 

Most of my adult life, I have always had debit cards—if I don’t have the cash for Thing, then I don’t buy Thing. I learned about debit cards in college at my retail job. My friend Mary Ann told me about debit cards. Well, it sounded like a great idea to me.

My parents got into some serious credit card debt when I was a kid. For years, the phone rang often every day with creditors seeking payment. We were pretty poor, had no food sometimes. My parents did the best they could. But they were young. In those early days they shopped. A LOT. Clothes and shoes.

Those calls from creditors were so frequent and so traumatic to me when I answered the phone. Those callers were relentless. I vowed to never let credit card debts pile up in my life. And I didn’t. Whenever I had debt happen to me, it was medical or student loans. And this one time a roommate ran up a phone bill and ghosted. 

I was seriously against credit cards. It infuriates me that credit score is such a big factor in life. 

I really believe that one’s personal financial status should be measured by how responsible you are with your money. Except for college (poor as fuck) and the early 2000s when I had diverticulitis (even poorer than fuck) I have always paid my rent, medical bills,  phone bills, student loans, insurance, car payments etc. If I couldn't pay all at once I negotiated payment plans. 

That history should be on record somewhere and count for something. I was always current. I just didn’t use credit cards. 

This has always resulted in a low credit score. To me, if I am good with my money, the record should show that I am responsible and smart, never over-extended. I spend money only if I have money. I saw what happened to my parents in the 70s and 80s. I lived it.

But "spending only if you have the money" is not the way it works. They want you in debt. That makes no sense to me, never has. Utterly ridiculous system. 

Every time the topic comes up, people try to explain credit scores to me. You guys. I understand how it works. I'm saying IT'S AN UTTERLY RIDICULOUS SYSTEM.

I said what I said.💸

PS: I actually have an "Exceptional" credit score by marriage. It's the principle that annoys me to no end.