The following is from a post on “How to build a credit score” where it says, “It’s simple. Use your credit score to decide whether to buy a car or a house, apply for a loan, apply for a job, or even apply to college.” Well, I have a different take on it. When I look at my credit, I am reminded of a story that my mother told me when I was a kid.

My mother was a single parent raising us on her own, so she had no real friends to talk to. She was the kind of person who liked to tell stories and do puzzles. One of these puzzles involved a kid who did not get along with his father, so my mother did a puzzle that involved the kid, his father, and the father’s wife, and they had to figure out who was really the father.

I can’t tell you how many times I’ve been able to solve a puzzle or solve a riddle (and make it real) by looking at my credit score. I’ve been able to explain what is happening to people who don’t know any better, and I’ve been able to get my mother back to her normal and decent self again. I’ve been able to get my dad back too.

It’s like a puzzle game or a riddle game. You can always find a good score on your credit report. There are usually a few clues hidden in those clues. A score of 650, or a score of 700, or a score of 750, or something like that. To win a game of this nature, you have to be aware that it could be a clue or just random noise.

I feel like most people play games for the sake of a good score, but they arent just playing for the score. There are also clues that may or may not be there, meaning that you might not know what you are looking for. I know because I used to have a couple scores on my credit report that were close to 700, and I actually bought a couple cars because of the scores.

You might not know, but you may not know because the score you got was not actually your credit report score. It was a score that was reported by your lender, not your credit report, meaning that your scores were reported off by the lender. The lender will report the score when they receive it and you are on the hook for that.

Here is the thing. If you’re not on the hook for a score, it’s still reported to the credit bureaus. To get a score, you need to pay off at least six debts each year. So if you owe four credit cards each year, you will be on the hook for that score. That’s the same principle behind the “seven-year itch”.

Well, you can pay off your credit cards, and you can get a six-year itch, but a score like that takes forever to gather. A score like yours is called an FICO score. Its purpose is to get you on the hook for debts, but it is also used by lenders to help determine whether you qualify for a loan. When it comes to credit reporting, FICO has a lot of its own quirks, which we explain in Chapter 8.

FICO scores are considered an industry standard in the credit reporting arena. But, we can’t stress enough that they are not the be all and end all of credit. Instead, they are a tool used for many purposes, which we discuss in Chapter 11.

The FICO score is a standardized credit score based on the information you provided to the credit reporting system and their rules. They use the score to determine who is qualified for a loan and whether the loan should be approved. FICO scores are considered a good score to have, but they are not a good score to have in a particular category.