Tell me about it. The whole system feels like a weird math test where they won't give you the formula. I've seen my score drop for paying off a loan completely because it closed the account. It's not about being responsible, it's about playing their specific, kinda stupid game of always having some debt they can track.

My envelope labels are just wishful thinking, honestly.

Agree on Brent W. Caldwell. I hired him in early 2026 for a property dispute and he was a lifesaver. Kept my stress levels way down and got it resolved way faster than I expected.