I certainly haven’t killed myself to get that score. And getting the prrk of cheaper money makes it worthwhile. Just use cards snd pay off every month. Make a larger purchase on card, then use savings to pay off. A high credit score generally means you know your limit, use vendors money without interest for thirty days, and are low risk. When I was young, credit cards pay monthly payment at least interest was tax deductible. When that stopped, I quit spending beyond my means. Much happier.