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We followed your university course, and we paid off our house.

We paid off our car, and I went to get a silly charge card on TV, a shopping card,

and we found that our credit zero was our credit score was really, really

low and we contacted our bank and they said because we don't have any revolving credit.

So it didn't work paying off the house. Now what do we do? We want to purchase a secondhand car.

I'm sorry. It it did work you paid off

your house the goal was to get out of debt yeah get into debt correct so your bank your bank's

trying to get you back in debt why would you go back in debt yeah well we don't have we don't, we don't want to put all, all cash on a car right now.

Why would you go back in debt?

You've worked so hard to get out.

That's silly.

Pay cash for your car.

Take it out of our home, our retirement.

Yeah.

Or don't buy the car.

Okay. Stop borrowing money.

Yeah, we have no credit cards. We have no payment. Good. But if you paid something,

if you paid everything off and you're truly not borrowing any money, your score will roll to zero.

If it doesn't, something's open somewhere.

But it did work.

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