104 People Helped
Member Since: January 2012
i use my cards throughout the month and pay them off before they are due. my credit score on this website does take a slight hit for having a zero percent utilization. but my real scores as checked at annualcreditreport, and through banks etc. are significantly higher than what creditkarma calculates. i think the real institutions recognize the facts and reward paying off the entire balance monthly. zero utilization is probably only a negative factor if someone simply never uses their credit at all. just a guess.
hurryblonde's reply was:
credit/loans are like girlfriends. if you want it and don't have it, then you can't get it. If you've got it or don't want it, then they throw themselves at you.
the top post here is basically yelling at clouds. is this system making the rich and powerful even more rich and powerful? yes of course. welcome to earf.
golden rule: they who have the gold make the rules.
hurryblonde's response was: