I use cards on purpose to drive up my credit score. Of course they are set to pay in full every month. I purchased a new car this month and that score gave me 0.9 at the Honda dealership. Total cost of interest is less than 500 after 5 years. I’ll take it.
I believe this couple learned quite a few lessons along the way of eliminating debt. Discipline is a powerful vice.
So did I, but after I got over 810, I backed-off on cards and am down to 2 now. I paid-off my mortgage 30-yrs ago, and always buy vehicles/equipment for cash now, so those are factors in FICO anymore. I’m due for another free yearly set of reports from the 3 reporting agencies, in December.
I’ve been debt-free for many, many years, and it feels great. I hope they learned that lesson, too.