This Michigan City Has The Highest Average Credit Score

I want to start by saying that I personally think credit scores are the dumbest thing ever.

I, like many others, got a credit card right out of high school.

My parents never talked to me about credit cards and how easy it is to get into a hole of debt that you can never get out of by simply making the minimum payments.

After seeing them struggle with debt and their finances, I decided that I didn't want to follow them down that same dangerous road.

So, I paid off my credit cards, closed the accounts and cut them up.

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If Dave Ramsey could have seen me he might have shed a happy tear.

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Fast forward years later, when I needed to get a new-to-me car, I went to a dealership.

When they ran my credit, the salesman and I were both a little shocked to see that I didn't have a credit score.

If you didn't know, if you haven't used some form of credit for a while, it's possible for you to no longer have a credit score.

Thankfully, my wife Lindsey had good credit, and we got a much better car loan with her as a co-signer.

However, my point is that the entire system is stupid and flawed.

If I have a lot of debt, I get rewarded with a high credit score instead of being rewarded for actually having the money saved up so that I don't have to go into debt to buy something.