this post was submitted on 14 Dec 2025
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Yeah the system makes no sense. I got dinged -12 points this week for some reason, apparently for continuing to pay my student loans on time and using my one credit card for the exact same purchases I always do, which I likewise always pay off each month automatically.
It makes perfect sense when viewed from "the credit companies work with lenders to ensure your credit only rises if you're constantly in more and more debt but still paying it like an obedient little wage slave"