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Jaded_Prompt_15 t1_iy678o3 wrote

Having a loan and paying it off on time only helps your credit...

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2Amatters4life OP t1_iy67szt wrote

Traditionally yes but using services like affirm show as a new loan every time screwing with your age of credit, credit usage, and more

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goodolbeej t1_iy69mz3 wrote

Until you pay that shit off.

You need to use credit to get good credit.

Overuse is bad, yes. Just like overuse of credit cards is bad.

But this blanket statement is incorrect.

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