So for whatever reason, I had concentrated hard on my credit for the last few years.

Now I don't need a high credit score, but I was always amazed how my Father's was and everywhere he went it opened doors for him.

I remember he went to buy a Ford Ranger, my Father was a short stocky man so they didn't take him seriously...Till they ran his credit then it was all "Yes sir!"

It left an impression on me as a 12-14 year old.

So when I became an adult I got as high as 827/850 which is pretty damn good.

BUT NOW IT MEANS NOTHING.

They can literally fuck your credit over for anything.

An account dropped off my account after X years and they dropped my score 44 points.

I hadn't purchased anything major on credit...I had almost a ZERO balance...I was using less than 3% of my available credit...I haven't had a late charge in over 12 years even by accident on ANY account.

And they still fucked me.

So now I'm looking at it as some sort of ridiculous mind game.

Hear me out!

They're doing that thing that abusive partners do where they are nice and everything is gooooood, then they SUDDENLY fuck you over and after a small amount of time they suddenly give you back most of it...BUT NOT ALL OF IT.

So you forget you got fucked over for nothing and are fooled into thinking that them doing what's expected is like them being good to you.

Fuck em.

Now I won't play their stupid games.

Tip:  Most here can make almost $800 a year just by putting all your bills on ONE credit card with miles/points/cash back and then soon as the charge is made you pay it off with your bank account.

Electricity, water, gas, cable, food, all purchases, travel, gas etc etc. on one credit card and be shocked at how quickly it adds up...Plus they end up giving you discounts at stores you might use saving you another 5%-15% since you were already going to buy it.

They can't charge you interest, you get miles or cash, looks good for credit and they actually lose money.

What they're hoping is sooner or later you have an accident, get sick and they are able to milk you for high interests on what you owe.

You think you're getting somewhere and all you are doing is going NOWHERE.

Noodles Tip #928736:

 Better to be the fucker than the fuckee.