Credit score..a perfect one

[Anonymous]

Anonymous wrote:OP - Why do you care? Your score is good. Why chase perfect?

You're right, no reason to care. It became an obsession during covid when we couldn't do much but stay home, and it carried over because I came to realize how much a
credit score affects people's lives.

Similar with SAT scores for kids. Private companies affecting our lives.

[Anonymous]

Anonymous wrote:

Anonymous wrote:OP - Why do you care? Your score is good. Why chase perfect?

You're right, no reason to care. It became an obsession during covid when we couldn't do much but stay home, and it carried over because I came to realize how much a
credit score affects people's lives.

Similar with SAT scores for kids. Private companies affecting our lives.

A credit score rarely impacts your daily life, and there's zero difference between an 830 and an 850 when you do need to obtain a loan / credit line. Honestly, it's a pretty sad thing to obsess with and suggests there are things missing from your life.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:OP - Why do you care? Your score is good. Why chase perfect?

You're right, no reason to care. It became an obsession during covid when we couldn't do much but stay home, and it carried over because I came to realize how much a
credit score affects people's lives.

Similar with SAT scores for kids. Private companies affecting our lives.

A credit score rarely impacts your daily life, and there's zero difference between an 830 and an 850 when you do need to obtain a loan / credit line. Honestly, it's a pretty sad thing to obsess with and suggests there are things missing from your life.

Was thinking thing same thing. It's crazy that you would think about it enough to call it an obsession. It's not at all like a perfect SAT score. If you want to draw an SAT analogy, it's more like a 1400 v 1402 SAT score.

[Anonymous]

OP here. Yes, I see now what you are saying above. It was not really an 'obsession', wrong word, but it became an awareness that I did not have before.

For example, when we were spending a lot on things, ie vacation, renovations, big purchases, as I normally check our credit cards online (I do all the finances), I check the credit
scores once in a while because the option is there as part of your credit card features. No more than that.

And no, nothing is missing from my life, except sometimes I get too detail-oriented.

[Anonymous]

Anonymous wrote:OP here. Yes, I see now what you are saying above. It was not really an 'obsession', wrong word, but it became an awareness that I did not have before.

For example, when we were spending a lot on things, ie vacation, renovations, big purchases, as I normally check our credit cards online (I do all the finances), I check the credit
scores once in a while because the option is there as part of your credit card features. No more than that.

And no, nothing is missing from my life, except sometimes I get too detail-oriented.

But you're still giving it value that's not deserved. You act like it gives a measure of something meaningful. It's just an algorithm that estimates the likelihood you'll repay a loan.

[Anonymous]

I've been at 830 for years and it never really changes, but I've been told it doesn't matter above 800. 810 and 850 are treated the same.

[Anonymous]

Anonymous wrote:

Anonymous wrote:OP here. Yes, I see now what you are saying above. It was not really an 'obsession', wrong word, but it became an awareness that I did not have before.

For example, when we were spending a lot on things, ie vacation, renovations, big purchases, as I normally check our credit cards online (I do all the finances), I check the credit
scores once in a while because the option is there as part of your credit card features. No more than that.

And no, nothing is missing from my life, except sometimes I get too detail-oriented.

But you're still giving it value that's not deserved. You act like it gives a measure of something meaningful. It's just an algorithm that estimates the likelihood you'll repay a loan.

Honestly, not at all. Actually, I have more TIME now to really look at bills, financial statements, etc, now that our kids are grown and on their own, so that's why I wondered about credit score.

Before, for lack of time, I just merely glanced at bills and made sure they were paid, which is not a good habit to not thoroughly check.

But thanks to all, for calling to my attention that my slight preoccupation with credit score is not warranted.