It reports on how well you leverage debt as if that is a good thing. I don’t mind my score being in the toilet at this point considering that I pay for everything – EVERYTHING with cash. There was a long time I fought my former mortgage company to keep my account reported as paid. The last car I financed back in 1990 something, I held on to its payment history as long as I could to keep a “good” score, but I finally let it sink in that having an “in the tank” score was truly financial freedom. People do me a favor thinking that I’m not a good risk.Truth be told, when I went to buy my brand new car almost 5 years ago and the finance manager gave me the loan app and I asked him how much and pulled out a cashier’s check for shockingly close to the amount he said and put the rest on my debit card, the look on his face was…beautiful!