Level 14
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Credit score

would you prefer to borrow more and pay the interest so that in the long run you acheve 800 as a personal goal 

 

or

 

would you rather take the money you would otherwise spend on that interest and invest / save that money so it grows even more.

 

if you save and invest, you don't need to borrow, so the credit score isn't of value

 

maybe time to change your goals?