“Since I got my first credit card, I used it for all my purchases but paid it in full each month, building a good score — or so I thought. When I went for a car loan, I was denied because I was a ‘thin file,’ meaning I never paid any interest.”
My friend just got denied a mortgage because of this bullshit. Like what the actual fuck!? You’re a responsible borrower but you committed the ultimate sin of NOT PAYING THEM INTEREST!