this post was submitted on 25 Jul 2026
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It's not poorly implemented. It works exactly as designed. What most people fail to understand is it's not a rating of how likely you are to repay a loan, it's a rating of how profitable it is to loan to you.
So if you pay off your cards completely, you aren't paying interest, and you're not as profitable a customer as someone who has 10k in debt that they're paying interest on every month.
They also don't exactly have an 850 rating if they're $10k in credit card debt though.
Yup
Goes up if you make minimum payments on credit cards
Goes down if you pay off a credit card
Goes down if you miss credit card payments.
Mine goes up when I have a zero balance. My score always drops if they do the check while I have a balance on the card.
My wife has a really high credit score. It's taken me years to get her to understand that it's not a rating of how good you are at paying your debts, but how much of a sucker you are.
So much straight up misinformation in this thread lmao. My credit score was in the 790s-810s up until this year. I've never missed a credit card payment, I've always paid it off in full every month, and I've paid off every loan I've ever taken out early. I've only started carrying a bit of a balance this year as we work on home renovation projects, and my credit score has started dropping because of it.