IN 2018, I was with an escort who advertised he was 32, yet he told me he graduated high school in 2000. Huh? Unless he failed all of high school, he was 36! But he as still a hot roll in the hay.
If you have no debt for several months, your score will go to ZERO. Why do you care? You obviously have the means to accomplish all your goals out of pocket.
Anyone wanna discuss trying on clothes others have tried on before you? How about returned items that may have been worn but definitely unpacked in someone else's house?
Do you really want to walk around among the many in a mall that was cleaned hours ago?
I get Baio's point. It's good for him, why should I care?