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Reply to "Credit score..a perfect one"
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[quote=Anonymous][quote=Anonymous]Absolutely ZERO debt, score 805. [/quote] You've probably had debt in the past. People with zero debt who have no debt and no credit history generally have worse scores. The credit rating system is an evaluation of what type of credit risk you will be. A score says that you assume debt and pay it responsibly, on time and in full, plus you have sufficient assets that you can make the payments without struggling. If you have zero debt and very little credit history, then it is hard for lenders to evaluate whether you'll be a safe risk to lend to, as it will be hard to tell if you have a pattern of paying responsibly and on time.[/quote]
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