[Ouch]

I'm actually in 0 debt and last time I looked I have like a 781 credit score on experian.

I've got 4 credit cards

2 from PNC bank each, 1k
Discover card - 5k max
Capital one - $501 max lol dunno why they gave me that extra dollar
5th 3rd bank - 10k max

And I haven't had on an on paper job in a couple of years. When I filled out the paperwork I'd just put self employed, 60k a year, contractor. And because I have a real high credit score they gave me that. I've never leased/had a car on payments all the cars I've ever had in my life paid for in cash. So they must be going by the few apartments that i've lived in that I never missed a payment, prior to this to have the good credit nah mean.

I only got those to see if I could do it. I never had credit cards in my life in until a little over a year ago. But what I do is just spend a tiny bit on each of them a month and then pay them directly off from my bank account to boost my credit. We've got 2 cars, both paid in cash, so no debt.

No college debt, went to city/comm college 2 years partially on athletic scholarship partially on PEL grant... (a grant for poor people to go do community college). So no debt there, I've been lucky in that sense I guess.

Now if you want to count mortgage as a debt thats a whole other thing, but thats not really counted as debt.