the FICO score is really an "I Love Debt Score" ... only way to keep a high one is to go in debt and stay there a long time!
haha, thanks Dave Ramsey ... I love that quote and am so glad to be freed from caring...
the lower your debt, the lower your score!
the perfect storm with FICO is long term debt, perfectly repaid .... but never ended.
all of you 'mericans striving for the perfect FICO have drunk the kool-aid (just as I once did....)