That’s how I’ve tried to be (and currently have no debt!).

When I needed to buy a car a few years ago, they gave me a terrible rate because I had a bad score. I had paid off a couple of personal loans AND all my student loans…but it’d been a few years so my credit score had dropped. So fuck me for not borrowing money every day.

I ended up doing a co-sign for a better rate. And guess what? I paid off that car loan a couple years early and got dinged on my credit just like the original post.

But I know they don’t care about any of that and are actually mad I didn’t pay the minimum for the entirety of the loan.