try to remember ….that a credit score is based on debt.a fico score. you must stay in debt to have a credit score. it is made up of payment history,charges made, inquireies made.
the borrower is slave to the lender. you dont need a credit score for anything or a credit cartd either. debit cards work just like credit cards. mortgages can be had from several lenders that do manual underwriting. want to learn how to be debt free? check out it will change your life !
You don’t need an installment loan. More often than not, they pull you DOWN. Who told you that?