They want you in debt so you're forced to work, and so that they can grift interest money off you. According to their system it's irresponsible to not have debt, and it's also irresponsible to ask what their magic number is.

1989

I've got dings on my credit report for no debt lol. I get dings for not using enough of my credit limit and also for using too much. It's a stupid system that exists to measure how easily banks can fleece you.

I have serious doubts that I'll see one in my lifetime, unfortunately.

Not with that attitude you won't

Credit scores. It goes up when you have more debt and goes down when you pay your debt off, but it goes down if you ask for a loan and it goes down if you even try to check what it is.

Absolute nonsense.

You're not difficult or lazy, you're autistic and you have ADHD.

No investigation, no right to speak

Why?