[Workaccount2]

I have an 800 score and never had student loans, a mortgage, or a car loan. Just credit cards. Whatever app always tells me my diversity is low, but I still have perfect credit.

This is entirely from just 3 credit cards over 10 years, but I'm pretty sure I was at 800 by year 3 or 4.

People so chronically over-extend their finances that looking around, they have no idea they are over extended. It's like overweight people looking around and thinking their weight is normal and their diet is good.