credit score has a system that:


Punishes you for checking your own credit.
Punishes you for closing old accounts
Punishes you for opening new ones.
Punishes you for using too much of your limit.
Punishes you for not using it enough.
A number between 300 and 850 determines:
Your rent. Your mortgage rate. Your car insurance.
Sometimes your job.
Nobody taught you how it worked.
But it’s been working against you since you turned 18.
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