Originally Posted by R8ers
I don't need to borrow any money ..
I get the FICO thing but it should also go by the Debt to credit ratio thing
The system is flawed and penalizes disciplined savers
The FLAW is that you think you need to have a good credit score
It only Penalizes you if you need to borrow money - from what you say it seems like you don't need to borrow any.
I don't understand why you are obsessed with your FICO score.
You can usually get a substantial discount no matter what you're buying if you take your cash out of your wallet ask for a discount or tell them you're going to walk - watch their mouth drool