Why, pray tell? Because I am not charging! Go figure. I am paying down debt while not charging, or at least charging very little (think items on Amazon). Now don't get me wrong. My score is still excellent but it annoys me that paying cash and doing what is best for my family can come back to bite me!
I've heard Dave Ramsey say many times that the FICO score is really a debt indicator not a financial or money indicator. Maybe not those exact words but you get the jest of it. I am now realizing what he is saying about this is so very true.
Oh well.......I will keep on keeping on. Pay off the mortgage. What will the FICO score look like then?
BTW-if ya'll order something online like Amazon etc............do you use your credit or debit card?
Have a good day!