My credit score is 823.  I have two credit cards for 40+ years and several others.  I NEVER miss payments; pay in full as often as possible or carry balances of less than $1k; have satisfied an unsecured, 3-year loan at low interest; and paid off a 5-year car loan in 25 payments.  Judicious use of credit is the key to success.  Learn FAST the difference between WANT and NEED and you will never have any problem building/protecting good credit! ... View more

I don't like the "-$1" plan because that mere $1 becomes subject to interest! ... View more

I don't apply a "-$1" approach.  I think that is used to keep the account open, but none of my cards require that to remain open. ... View more

When I purchased my car in 2016, I financed $16k+ for 5 years at the usual interest rate.  In order to afford having a car, my plan was to pay off the $265/month payments ASAP, which I did in 25 payments.  Later, my rent was increased and I obtained a personal loan from my bank at low interest to pay off all debt.  That payment is $244/month now, but I have 1.5 years remaining.  My CS is 808. ... View more