MossRoad
Super Moderator
- Joined
- Aug 31, 2001
- Messages
- 57,924
- Location
- South Bend, Indiana (near)
- Tractor
- Power Trac PT425 2001 Model Year
We've been debt free since 1995 and have an excellent credit score. So I don't feel that being debt free affects it much at all. The main thing credit score reflects is how well you use the credit you have available to you.Credit scores are dubious. What if one has no debt? Without it, your score declined, because you are actually VERY good with money.
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The 5 Biggest Factors That Affect Your Credit
Credit companies use five main factors to decide whether to lend to you and at what interest rate. Learn how these factors play a role in your credit score.