Credit scores are birdshit.
I apologize up front for the fowl language. Let me illuminate you with my logic.
What does a credit score allow you to do? It’s not a trick question. It allows you to borrow money, or get a credit card which, for all intents and purposes, is just another way people borrow money. What give you a bad credit score? Well, generally it’s a bad debt. Or two. Or three. Unpaid debts (ie. unpaid mortgage payments, unpaid car payments, unpaid credit card payments, etc.) will cause the debt owner to report you to the three credit bureaus who annotate the ding on your credit record and it causes your credit score to go down. This credit score is of course a completely fabricated metric, but it’s the only metric, so that’s what’s used.
Where am I going with this? Well, people are worried about their credit scores because a garage band dressed as pirates or Ben Stein told them they should be. And guess what? If you have a bad credit score, it’s because you have bad or exorbitant debts and the last thing you should be doing is borrowing money or getting new credit cards. I don’t understand how more people don’t understand this. Instead of worrying about a stupid score which can get you more debt, you should be focusing on paying off the debts you already owe.
Of course this is assuming you pay your debts and don’t declare bankruptcy as a result of your ineptitude. And I admit, that’s a monstrous assumption.
The shot today is of Eva listening to a guided tour in the cathedral of Mont St. Michel in France.
