I’ve seen some people fight for 50 points on their credit score… I think they can get a better interest rate ???
Regardless, your credit “score” is based on points… The score is what companies like equifax or trans canada credit return to potential creditors indicating how well you rank. Higher the number the better (afaik)…
I don’t know all the details, sounds like SpHiNxXx know’s what he’s talking about.