Quote: Maybe you don't owe enough. Now that I've paid everything off and am living on a cash up front basis, my rating is slowly slipping toward zero. It was really high when I was in debt to everyone in the county. Maybe they have a problem when the income:debt ratio gives then a 'divide by zero' error.
Radio guy Dave Ramsey always says the FICO score is the "I love debt" score, and is quite proud that his is not zero - he's not even in the system anymore.
