I never asked for a credit score. I don’t use credit. They have made it very clear breach sfter breach that I don’t want them to have my data. How do I remove myself from credit data agencies?
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It is important to note that while a FICO score is roughly equivalent to “trustworthiness”, the three credit agency scores (Equifax, TransUnion, and Experian) are NOT meant to reflect your trustworthiness directly. Rather, they are specifically designed to inform lenders of your profitability for them.
It’s an important distinction because having a an outstanding payment history alone won’t improve these scores, if you aren’t utilizing available credit and maintaining some running balance with lenders.
Basically, if you’re just going to borrow money and never pay any interest on the loans, you aren’t actually a source of profit and therefore aren’t a desirable customer for lenders and creditors
Yep, my score went down when I paid off my car way earlier. So I get penalized for actually being better with managing my money, because they earn less in interest.