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how does having too much credit lower your credit
banks and financial companies are in collusion with the credit reporting agencies. Not everyone wants credit cards or need them. I for one have not had a credit card in over ten years. If I need something I pay cash. If I can't afford to pay cash I don't need it. I have no debt and no credit, therefore my credit score should be 0. Yet its 420. Why would I go out and create debt just so I can get a credit score. It's ridiculous to force people to take on debt just so some bank or credit company can say you are worthy to do business with them. People go out and get credit to build a credit score. Does it really do anything to improve your life or contribute to your well being. No. It contributes to the banks and credit card companies. They charge you fees whether you use the credit or not. If you miss just one payment or late your score is hit, this allows them to charge you a higher interest so they can make more money off of you. Its their game and people are forced to play their game. Unfortunately the consumers will never win or get ahead in a game where the bank sets the rule. WHY PLAY THIER GAME. IF ENOUGH PEOPLE STOP PLAYING THEIR GAME THE RULES WILL CHANGE.
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