Apparently Jer was ringing up credit cards and then forgetting to pay on time every single month.

Nobody truly knows how it's calculated. But taking on debt, as in new lines of credit, makes it go down slightly, not paying on time makes it go down significantly, and paying on time makes it go up significantly. The prostrat is to take out a credit card, spend only about 20-25% of your total balan...

The more debt you have, particularly mortgage debt, the higher your credit score (as long as you pay on time and pay off your cards). No debt = bad credit score (or no credit score)

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Have too much debt, have too little debt, be poor (low income to debt ratio), be a bad goyslave with too little credit history in loans and cards closed or not, have short credit history by paying shit off too fast or cards shut off due to inactivity, miss a singular payment, have a hard inquiry. I ...