QUIT PLAYING THE GAME. 35% of a credit score is based on debt history. 30% is based on debt level. 15% is based on the length of time in debt. 10% is based on new debt. 10% is based on type of debt. 0% is based on how much money you ACTUALLY HAVE. The only way to have a good credit score is to go into debt, stay in debt, and continually pay your accounts perfectly, without adding too much debt or paying too much off. In other words, stay in debt for as long as you can. Ridiculous. You don't need a credit score to win with money! #debtfree #fico #ficoscore #credit #creditscore #creditrepair #debtfreecommunity #debtfreejourney #money #personalfinance