My credit score dropped when I paid off my car and student loans. Credit agencies said I should get more loans to increase my credit score. The system punishes you for not owing them money. They want you to be in debt. Credit scoring is a scam.
I had a friend once say to me, what’s better than a cold beer while watching a baseball game? I replied, “Hot chocolate while reading a comic book.” 😊🤷🏻♂️