mega512 t1_je9b3t1 wrote on March 30, 2023 at 10:53 AM

Let's be honest, credit is a scam. That number should not control your life. I will say if you use credit that is fine, but the expectation is you also pay it off and not accumulate more debt.

Otherwise-Way-1176 t1_jeb8b53 wrote on March 30, 2023 at 7:20 PM

>Let's be honest, credit is a scam.

A credit score is a product that is sold to lending institutions, not to the OP. Therefore, the OP is not being scammed by the mere existence of their credit score. You could hypothetically be attempting to paint banks as victims of this scam, but they’re informed consumers who know what they’re buying, so that seems overly generous to me.