me: "i need a credit score"
Credit System: "yup, for everything"
me: "I start with a perfect score right?
CS: "no, you start at zero"
me: "ok, how do i open a card?"
CS: "build credit!"
me: "and then pay off the card 100%?"
CS: "no score will go down"
me: “and the score is accurate?”
CS: “lol no not really”
me: “and you won’t share my info?”
CS: “oh we will”
me: "so carry a balance on my card?”
CS: "no that will also lower it"
me: "uhh, so.."
CS: "open more accounts, many of them"
me: "ok.. more debt is good?"
CS: "never close them, ever"