Level 2

Debt management

You do not need credit score to get a home loan. Find a lender who does manual underwriting and put 20% down. Remember  credit scores didnt exist until 1950 when the diners card came out. Its just one big scam to make someone else  wealthy. I ask all of you who manage your credit  so well "how much do you have in your bank account for emergencies?" Im guessing  not much. If we all had atleast  5k for emergencies  then stupid  companies  like earn in wouldn't  exist. Break the cycle people.