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God I hate #FICO scores and their silly formulations. Paid off my car and house only to be penalized for doing so. Their excuse is that any 'closed account' diminishes one's ability to prove you can pay a debt regularly.
The enslavement of debt is their gospel and, I gotta say, is something we're now schooled to buy into.
The #indebtedness cycle is disgusting and I'm so done with it all!