Originally Posted by KC Tattoo
Credit report is a fraud. In order to get credit you have to create dept to pay off in time. When you have everything paid off and don't generate more credit debt then you just stay the same. It's ****ing dumb. Kids out of high school have to earn credit to start out in life and that meens they have to create debt to have credit. This is how I see it.
Biggest scam in history.
You can't credit unless you don't need it.
The OP sounds like he doesn't need it.
**** it leave it the way it is.
Get an Amex with no limit for emergencies and you are golden.