Generally, a person who isn't going to debate, doesn't make assertions.
Then let me amend:
My personal experience, first-hand, second-hand and dealing with consumers related to credit scores do not correspond to his comments.
I’m not going to debate it because on the basis of my personal experience he is incorrect, particularly with his assertion of building up a credit score by paying off the debt every month. My experience is the opposite.
I’m not debating the differing experiences; I have better things to do with my time.
I appreciate the contributory comments...a laxative effect I appreciate; gotta go.