 and the only way to maintain my 800 credit score is to continue to go into debt, what would I do if I woke up there? I would not maintain it. I would let it go to zero and do manual underwriting to buy my house because I am well aware that the whole credit score thing is a scam. The only way you run your credit score up is go into debt. Why do you do that? So you can go into debt. So why? So I can run my score up. Why? So I can go into debt. Why? So I can run my score up. Why? So I can go into debt. It's a dog chasing its dadgum tail.