 Well, the only way I know how to answer questions is if I was in your shoes. I'm a single guy. Someday I might be marrying. Two years from now, I'm thinking about buying a house when I'm 30. I make $40,000 a year, 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.