Credit Score's are BS

I've been retired for a short while and decided to get back in the workforce.

BACKGROUND: I had to file for bankruptcy over five years ago, due to the wife's medical bills and related expense's. Since then I've paid cash for everything, we haven't any credit of any kind, anywhere.

Anyway, I was told my credit score was too low and that it needed to be higher. Evidently, a low score means you're more likely to steal, etc. I obtained my score and credit report, and it shows four negatives from the bankruptcy and fifteen positives for current accounts (mortgage, etc)

The report says my score is low, because I don't have any car loans or any other new loans since the bankruptcy. The recommended course of action for me was to go out and get into hock to raise my scores!?!?

Is this stupid or what?

To get considered for a job, I need a high credit score, to get a high credit score I need to borrow money, I get the job but can't pay my loans that I used to get the job, so I steal from the employer to pay for the loans that I used to get the job.(or something like that):)

Credit scores are nothing but BS, if you don't borrow money.

Wah - wah get over it.

yes, they are a joke. It's just a scam to get you to use your credit card more.

well don't do it. take it from me it's a long hard road to try to get off of. i don't think i'll ever get them paid off. if i ever do then i will never do anything but cash transactions ever again.

Papabob wrote:

I've been retired for a short while and decided to get back in the workforce.
BACKGROUND: I had to file for bankruptcy over five years ago, due to the wife's medical bills and related expense's. Since then I've paid cash for everything, we haven't any credit of any kind, anywhere.
Anyway, I was told my credit score was too low and that it needed to be higher. Evidently, a low score means you're more likely to steal, etc. I obtained my score and credit report, and it shows four negatives from the bankruptcy and fifteen positives for current accounts (mortgage, etc)
The report says my score is low, because I don't have any car loans or any other new loans since the bankruptcy. The recommended course of action for me was to go out and get into hock to raise my scores!?!?
Is this stupid or what?
To get considered for a job, I need a high credit score, to get a high credit score I need to borrow money, I get the job but can't pay my loans that I used to get the job, so I steal from the employer to pay for the loans that I used to get the job.(or something like that):)
Credit scores are nothing but BS, if you don't borrow money.

I agree about the credit scores, I don't borrow money at all and my credit scores in the toilet.

I've got the cash in the bank to pay cash for a Cadillac. It just doesn't make sense at all.