CrPac

1 Contributions 0 People Helped

Member Since: May 2014

Activity (1 Total Contributions)

Credit card utilization and your credit score

Jan 11, 2015

I completely agree. I have 0% utilization for years now and still have a C. I'll take the C on my score. In my mind having no debt is an A+. It means I have the cash on hand to psy cash for what I need. I can't understand why the credit bureaus find this a negative thing.