re: Once again, credit scores are a scam

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Nope. Pay off your mortgage, and after some time your score will likely be less than a similar person who is timely paying on a big mortgage debt. I paid mine off early, and my credit report now says that my score is reduced for no recent history of mortgage service. LOL.

If your score is 800+, then you may be able to take the position of my dad. He got in a dispute with a merchant who threatened that the issue would affect his credit report. Dad replied that he did not need credit, so he did not give a shite.

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Fortunately, mortgage is paid off. I'm in a blessed position, owing nothing at this point. Of course, that will change with my next vehicle purchase.

Again, not concerned about my credit score at all. Just another example of it being a scam.