re: Let's be honest about credit scores

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The idea that me, with a paid off house, a couple camps, no car debt, no student loans, pay my card off monthly, and who banks more of what I make every day/week/month/year than what I spend, has a less than perfect "credit score" is laughable.

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No, it's actually quite reasonable. People who lend money to you will report on your record of paying on time. Nobody is auditing your personal finances, the only thing anyone has to go on is whether your creditors say that you reliably pay your debts.

Pay close attention to the "nobody is auditing your personal finances" part of what I just wrote. Credit reporting agencies trust what your creditors report more than what you report, and for good reason.

Your income and assets essentially don't matter because they are not verifiable.