PSA: nobody actually knows what a credit score is until the landlord pulls it

Oliver Bailey · 2026-10-20T18:45:04.861478+00:00

I found out my score dropped 40 points because I closed a card I never used, and the guy at the bank in Dayton just shrugged and said that's how it works. Everyone keeps acting like paying on time is the whole game, but how much of your limit you use counts just as much, and I had to learn that at 29. Did anybody else get blindsided by one of these dumb hidden rules?

Rigidtalk

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PSA: nobody actually knows what a credit score is until the landlord pulls it | Adulting Fail Stories - Rigidtalk