Your credit score is a representation of how good you are at staying in debt.

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This is incredibly insightful, thank you πŸ™

and you have to buy a 'good' score

I PAID OFF A BIG CHUNK OF MY DEBT, THEY PROMPTLY LOWERED MY CREDIT LIMITA AND MY SCORE TOOK A HUGE HIT. THAT WAS THE LAST DAY I GAVE A FUCK ABOUT A CREDIT SCORE

my score is terrible

No debt, in the 800s

Actually not exactly, only debt I have is a mortgage. I use debt for business and pay off monthly and I only use a small portion of my credit line. Therefore my score is over 800.