These credit agencies clearly need to become more transparent. In my case, no mortgage or other debt and pay off all cards on due dates. However, when my son’s tuitions are due every fall and winter, l put them on the credit card to get “points”. The cc bill gets paid off (thank you 529’s). The next week l keep getting notices my normal credit score (800+) goes into mid 700’s even though our bills get paid on-time like clockwork like they have since the mid 90’s. This is really annoying and frustrating as it caught me in the rear end once getting a car loan and ended up paying a higher rate. Silly bunch of squirrels at these agencies.
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These credit agencies clearly need to become more transparent. In my case, no mortgage or other debt and pay off all cards on due dates. However, when my son’s tuitions are due every fall and winter, l put them on the credit card to get “points”. The cc bill gets paid off (thank you 529’s). The next week l keep getting notices my normal credit score (800+) goes into mid 700’s even though our bills get paid on-time like clockwork like they have since the mid 90’s. This is really annoying and frustrating as it caught me in the rear end once getting a car loan and ended up paying a higher rate. Silly bunch of squirrels at these agencies.
Post: The Debt Free Penalty.
Link to comment from January 26, 2026