I thought one maintained their credit by paying on time. Thanks - you can go on to the house after 'splaining. ;-)
Credit is destiny. It determines whether we can buy a house or borrow money, how much we pay for car insurance, even if we get hired. So...
The geniuses who affect credit hire people to enter this info into their systems. Many of these employees could not get hired at McDonalds, may not speak English, and get paid by the hour, not for being correct.
I spend time cleaning up these messes.