The Credit Score commercials

You don't know my life

Mine dropped that low because I hadn't used credit in years. I had to get a credit card and use it to qualify for my recent mortgage.

650 is not too far from average in the south, unfortunately. Louisiana average is ~670.

Exactly. Credit scores just measure how often, and how long you pay off debt. It is a metric lenders use to rank how profitable borrowers are, not how good someone is at managing cash flows.

a 650 is good for someone with no loans, credit cards are mortgage. Bad for someone with those things.

{Very Good} level FICO score check in thread.

I got rid of a mortgage in 2010, paid off my 4wheeler in 7 months, and then proceeded to not use credit until this year.

My score tumbled from a low 800 score (before they bumped to a possible 900) to a 599.

At no point in there did I make a single late payment on credit cards. I closed three older card accounts which charged fees and lowered my credit availability from over 50000 to under 10k.

In august, I pulled my score to plan for a house build later this year and was SHOCKED.

I've since bumped it to the high 600s by requesting credit limit increases and then disputing the pulls on my credit they used to make the decisions. Even still, I will have to finance for 2ish years and then do a refinance.

It's BS.

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Apparently people who pay their bills are deadbeats.

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Yep. I always want to pay in cash but apparently my credit score goes down when I do.