@vic @mjdigspigs Semantic distinction. Are you a good alternative to government treasuries to get slightly better yield for the risk. The biggest parts are [PAY BILLS WITHIN 30 DAYS OF DUE DATE] followed by [HOW MUCH % OF CREDIT LINES ARE IN USE]. Easy to game and easy to screw up. I'm a big fan of not buying stuff you don't need and not financing when you don't need to, but sometimes you can arbitrage because you have good credit. My friend just bought a car and went to pay cash, but he financed it at 1% for 3 years and has his own money earning 3%+ in the bank. Prime example.