Mine is 667. I have never used credit cards, and I don’t have any debt. My partner, whose FICO score is 780, currently has about twice their annual salary in debt.
Mine is 667. I have never used credit cards, and I don’t have any debt. My partner, whose FICO score is 780, currently has about twice their annual salary in debt.
I was mostly raised by 2 sets of Depression Era grandparents, so I don’t even buy half the stuff I need even though I have the money these days, let alone stuff I want. 😅 What a valuable lost resource. My parents were generally very thrifty too, though my dad has since grown out of that and buys all kinds of useless crap nowadays as “investments.”
Control is absolutely key to credit though. My brother racked up almost 30k in his 20s and now my house is half paid off and he still rents a 1 bedroom even though he probably makes the same money roughly as I do. I feel a bit bad for him, but people’s habits are what they are.