Quote:
Originally Posted by venturaII
You have to take on debt in order to prove you're a reliable debtor, thus pushing your credit score up. The trick is to maintain a small, ongoing amount that influences the accumulative rating positively over time, without the actual amount becoming a liability..
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The error in your statement is "have to take on debt" because you don't have to do it. Its still a choice. A credit score is not something you have to have, although its hard to convince most persons otherwise.