this post was submitted on 17 Jul 2025
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You don't get a good credit score by having debt, there is more to it than that and it is misleading to to state things that way. There are a variety of factors used for credit scores and they are weighed differently depending on what company is doing the credit score. If you want a good credit score then having access to lots of credit you aren't using while paying off debts on time regularly will get you a good credit score. Telling people they can get good credit by taking on debt is bad advice that is more likely to lead them down the road towards bad credit.