re: Let's be honest about credit scores

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My CPA and my financial guy both tell me to carry some debt and pay it monthly just to inflate it.

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Either you should fire both of them or you don't really understand what they are saying. I'm betting on the latter.

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Your FICO score is simply a profitability rating for lenders

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Nope, it's used for a wide range of other things. For example, a bad FICO may mean you get to pay an advance to get your utilities/cable started in a new home. It can impact a security clearance application.

And it doesn't indicate how profitable you are either. For example, credit card vendors get a "swipe fee" paid to them every time you use your card. This is part of how profitable you are as a customer, but has nothing to do with FICO.