Just a heads up, people should be wary of playtron to a degree: the CEO is a guy named Kirt McMaster. Anyone from the Android enthusiast community may know him as the guy who convinced the creator of CyanogenMod to incorporate (becoming Cyngn) and then drove the company into the ground chasing skinning and theming revenue, and wouldn’t even allow the community to keep the cyanogen brand (they had to rebrand it to LineageOS)
Kirt sucks. He’s a terrible leader and a terrible businessperson. I’m sure there are plenty of great people involved in playtron but with him at the helm of the company I am not expecting it to end well
It is important to note that while a FICO score is roughly equivalent to “trustworthiness”, the three credit agency scores (Equifax, TransUnion, and Experian) are NOT meant to reflect your trustworthiness directly. Rather, they are specifically designed to inform lenders of your profitability for them.
It’s an important distinction because having a an outstanding payment history alone won’t improve these scores, if you aren’t utilizing available credit and maintaining some running balance with lenders.
Basically, if you’re just going to borrow money and never pay any interest on the loans, you aren’t actually a source of profit and therefore aren’t a desirable customer for lenders and creditors