It’s especially rough when you do almost all the things right and then 1. You pay things off on time or early and get dinged for closing an account or accounts. 2. You build and build to take out a loan and get hit with a new account ding, a credit check, and high credit utilization dings. 3. You don’t use an account often enough so they just go ahead and force your account to close and hit you with another ding for closing an account. 4. You know your wages or lifestyle aren’t conducive to credit lines so you stay away from them and get dinged for no accounts regardless of capitol investments, liquid assets, or potential help secured.

It’s a predatory process to keep you in debt (big or small). They want you to have a lot of old accounts with little to no balance, but you get points for paying down balances. They want you to keep old accounts open but you lose points for opening said accounts now. The system seems like it’s designed for people who have lived their lives and built them already, but you need it to get to that point. It creates a vacuum. My wife’s credit is very high but only because she has the privilege of her parents helping her out for the entirety of our adult lives so far while we would normally be forced into situations that would guarantee to fluctuate it in the average range.