This is overrated: optimizing your credit score when you have zero debt

59% of 8678 voters say "Total waste". The other side: 41% picked "Still matters".

coffeefix · 2026-04-14T07:20:55.639Z

59% say "Total waste". 41% say "Still matters". 8,678 votes cast.

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This is overrated: optimizing your credit score when you have zero debt Currently 59% of 8678 votes say Total waste. 41% say Still matters.