Greentext

Don't listen to people saying you should keep extra accounts open. If you have 1 credit card open that you use regularly and pay off every month you'll pay no interest and have a good enough credit score.

The cultists at Experian sacrifice a black goat and interpret the spatter patterns

Freeze Equifax, and then live your life within your means.

The colours are the wrong way round

Credit just isn't my thing. It feels like a scam

I live in Canada and I once went to a job interview. and in the application paperwork they asked for my credit score. I put the pen down and walked out of there. That was literally the only time it ever happened.

It was an American company...

Be rich, have assets held in company stocks, get super low interest loans on your stocks, profit.

Paying other people money on a predictable schedule raises your score.

Did what I do, pay your bills and don't think about it.

It's like wasps and police officers. If you ignore it and pretend it doesn't exist it most likely won't bother you.

well from a capitalist viewpoint credit scores measure how good an investment you are. you are a good investment if you are reliable to pay back your loans at maximum interest. the more likely you are to pay back your loan at exactly the right time (measured by how often you've already done that) the more the banks trust you with their money.