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Reply to "Anyone else not have any credit cards & why does it hurt my FICO score?"
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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]Of course my DH has a slighter higher score than I do, since at one point he wracked up credit card debt (before he knew me!) and then paid it all off. That sends your score soaring because you made them money, while also paying it all off.[/quote] Yeah, that's not how it works.[/quote] +1[/quote] I most likely phrased it poorly, but after carrying CC debt, and then paying it all off, his credit score jumped an incredible amount. It was good while he had the debt, and then it became stellar. So, take from that what you will. We had similar histories otherwise, and his was 20 points higher than mine. The difference was he had carried way more debt, and paid it off, than I had.[/quote]
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