Building credit is an m f'er

[smileyman]

Basically the bureau's metrics and formulas for coming up with a credit score lacks a ton of common sense. They are complicated. So complicated they overlook the obvious.

I had excellent credit after my divorce, but alot of good regularly paid debts overlooks a source of cash flow or revolving debt dependency. I was broke. Then pile on some non bureau reportables like taxes and medical bills and I am bankrupt but with a 700 plus score...Its nonsense