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Not the site, but credit scores seem like such a scam!
I always pay my bills on time and yet my scores keep going down. I only have 2 accounts open as I do not want to open anymore and my score drops due to credit inquiries and age of accounts. But if I do not open anymore accounts creditors won't like me but if I open new accounts my score drops because of inquires and age of new accounts. Do you see where I'm going with this? I'm not a conspiracy person but this just seems like a load of BS. I make my payments ALWAYS on time and my score goes DOWN!? I haven't changed nor have I filed a claim with my auto insurance (nor have I gotten any tickets or accidents) and my score drops. What can I do? How can I talk to the ones that "decide" my score because I want to hear their logic! And the communities; I obviously have not educated myself too much because there are so many topics to cover and its completely overwhelming; I just need a place to start.

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