I’ve had a shitty credit score my whole adult life because I missed like three payments over fifteen years ago. I never bothered to keep track of it because it never got better no matter how many cars I paid off etc.

I checked it today and it went up over 100 points and is now at a respectable 750.

I know credit scores are evil and shitty but this is the game we have to play, and after several years of high interest rates for cars and stuff I now get to refinance some stuff and save money that i was basically throwing down a hole.