Traditional advice about credit scores is "the bigger the better". The other message that accompanies this train of thought is "you need to build your credit score by borrowing on credit cards and have a mix of different debt products like a car loan or installment loan".

Non-traditional advice is the belief that paying everything off - including the house - results in a zero FICO score after a couple years. This does not mean you are no longer credit-worthy, it just means you haven't borrowed money (and probably have saved a TON of interest charges).

This survey it to find out from you, a real person, about your experiences with your credit score after paying off all your consumer debt and/or paying off your house. The survey should take no more than 5 minutes and the anonymized results will be shared with the public.

Note: Your name or identity is not being requested and will not be shared in any way without your permission.

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* 1. Are you now married, widowed, divorced, or never married?

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* 2. Have you ever been approved for a credit card?

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* 3. Have you ever taken out a car loan?

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* 4. Do you currently have non-mortgage debt (such as credit card debt, car or student loan, past due medial debt)?

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