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A comment on Identity Thieves Bypassed Experian Security to View Credit Reports. Parent comment

Re:Identity Thieves Bypassed Experian Security to View Credi... by icedchai on Monday January 09, 2023 @12:08PM (#34312669)
Paying off your mortgage won't "tank" your score.

I paid off my mortgage almost 15 years ago. I have zero debt, no car loans or anything, and pay off my credit cards in full every month. My credit lines are barely utilized (single digit percentage.) My score seems to vary from 790 to 810.

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Re:Identity Thieves Bypassed Experian Security to View Credi... by SoftTalker on Monday January 09, 2023 @01:06PM (#34313603)
Using credit cards and paying them off is keeping ytour score up.

If you have no debt and pay cash as you go for your expenses, you will eventually drop because the credit bureaus will have no recent data to compute a score.

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