Credit scores is a measure of how much a person loves debt. Did you know that if you don't borrow money, you won't have a credit score? People think it is a number that says they are winning with money, when really just means that they are managing their debt how the banks like people to. Well, we all know what that means - the banks have one purpose, and that is to take money out of our pockets and into theirs. So if we manage money the way they want us to, they will be the ones better off in the long run.

Stay or get out of debt, live within your means, and save up for purchases (excepting homes, and even those pay off as quickly as possible while achieving other goals.)

Great quote - the borrower is truly slave to the lender.