[seandougall]

In TFA, she says explicitly: “I do not have any debts.”

[gaogao]

Having no debts is actually tanking my credit score by a ton.

[smacktoward]

Seriously. My credit score took a hit after I paid off my car and my credit cards. The justification I was given is that they penalize you if you don’t have some kind of ongoing debt you’re servicing.

Our system is ten kinds of messed up.