this post was submitted on 25 Jul 2026
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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.