Your periodic reminder that your US credit score is not a measure of your moral worth. It is a measure of how profitably the legacy finance system can lend you money.https://twitter.com/mcmansionhell/status/1375569165122220040 …
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Utilization rate is one of the factors that determine your scorehttps://www.experian.com/blogs/ask-experian/credit-education/score-basics/credit-utilization-rate/ …
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Regular payments increase your credit score. No payments, whether because you have no debt or are in default, hurts it
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The quoted tweet is wrong. Paying down debt does not reduce credit score.
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From the sound of it, it seems like they paid off their debt AND closed their account. It makes sense why their credit score dropped.
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