Places with the worst, best credit

I didn't read this article..... I could tell just by the HEADLINE that it is complete trash, and I wanted to comment about it.     I, like MOSTother  people in the world with half a brain, have figured out that the "credit scoring system" is nothing but a GAME.  For ATLEAST the last 5-6 years, I have paid all of my bills PERFECTLY... not one bill of ANY kind has been late in over 5 years... My car is paid off, I have NO student loans, I have had loans in the past that are now paid off, and were NEVER late... I currently have NO OUTSTANDING debt WHATSOEVER!  I do have ONE credit card (with a low limit of $500... I KEEP it that way, so I don't overspend), and I pay that credit card balance IN FULL, EVERY MONTH!... NEVER LATE, EVER!  I don't have a mortgage, I rent (again, NEVER late, EVER!).  Also, I make about $40,000 / year.  I get credit reports atleast once a year to make sure there are no errors on it, or accounts that shouldn't be there.  I use a "credit monitoring service" too (so noone steals my identity, hopefully)... and I have been monitoring my "credit score" (ALL 3 of them, 4 now) for the last 6-7 years.  My credit scores have NEVER gotten above 670!   Keep in mind, I make $40,000 a year, I have NO debt whatsoever, NO mortgage, NO car payment, and NO late payments of ANY kind in ATLEAST 5 years... NO student loans... NOTHING!  The ONLY reason I have a credit card is because the "credit experts" say that having a credit card and using it regularly and then paying off the balance at the end of the month will improve your credit score... so that's EXACTLY what I've been doing for the last 5-6 years, and guess what?  My credit scored actually got worse over the last year... I called my credit monitoring comapny to find out why.   They have no explanation.  The "credit scoring system" is a COMPLETE SCAM!  It is a game!  

The rent that I pay every single month?.. that doesn't count toward your credit score!  Electric bill?  That doesn't count either!  Water bill?  NOPE!  Gas bill? NOPE!  Cable TV bill? NOPE!  Car insurance? NOPE!  NONE of these things that nearly EVERY person on earth pays EVERY SINGLE MONTH counts toward your credit score!  The credit scoring system is COMPLETE B.S. and we ALL know it!  I refuse to waste any more time, trying to "improve" my credit score, when I KNOW that the "experts" will just find a way to knock it back down again.... not to mention, someone steal my identity, and ruin my credit through NO FAULT of my own!... it only HELPS the banks, because they get to charge you MORE for interest on any loan.  It will all work out though.... the bankers and the elites are being exposed every day, more and more.... with the internet, it has become more and more difficult for them to keep their games going.  What goes around, comes around.....