re: Paid off my last car loan in full

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This is why I don't play the credit score games. I just try to handle my obligations and try to avoid new credit unless I have a good reason for it.

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Same. I'm almost 40 and have found that your score doesn't matter all that much for most credit needs, as long as it is over 700 or so. Even when my credit score was in the 600's, I didn't have much problem getting credit, just not the best interest rates. People get too hung up on the actual score. Sure it matters, but showing you can handle your debts timely matters more.

I have a mortgage, 2 student loans, a HELOC, 2 car loans, and 1 credit card on mine and can't seem to get it over 750 even after 10 years of consistently paying on time on each, though I rarely use the credit card or HELOC. I quit worrying about it 5 or 6 years ago.