Credit scores are bogus numbers any way.  Truly, it is only an indication of how far you can go into debt, which the bankers love.  I call it the mark of the beast, because it is so deceptive. 

My credit sucks, and I dont care.  After battling catastrophic flooding for 10 yrs, caused by the builders that built their $300 k track homes and did not deal with the water run-off, amongst other things, like my ex not paying his child support half the time... etc etc.. and not to mention I don't have a DUGREE... well hmmm.. you can kma, as now... I am totally self sufficient, thanks to the fico!