10/14/2026
Wait, so having zero debt is killing my credit score? My therapist told me, "Pay everything off," and I did. I'm debt-free, and now my credit score dropped 40 points.
This is insane. Turns out credit utilization matters more than I thought. Using zero credit means you're not showing lenders anything.
You literally have to strategically use credit to build credit. And it's the dumbest thing I've ever heard, but Vola explained this to me, and I finally get it.
Now I know how to build my credit score instead of just assuming debt-free means good credit.
Download Vola and stop being confused about credit.