You Get No Credit Fool

Apparently there are still r-tards out there that believe in the notion their income is a replacement in terms of credit scale; one of which is my older brother.  Income has nothing to do with your FICO score!  The silly boy thinks his credit score will magically grow higher by not doing anything.  He refuses to acknowledge that in order to obtain a higher credit score, you must use your credit!  He has a credit card but refuses to use it and strongly believes that his Chase Leisure card is a credit card but it's really a debit card and debit cards do not help your credit score because it's not credit that you are exercising.  Also, it doesn't help that he has collections on his credit report either so with his low credit score and his bad credit report, he's going to ruin everything. 

Jolie FTW!

"Reality is merely an illusion; albeit a very persistent one."
Albert Einstein