So is it really that hard to maintain a super high credit score? Look, your credit profile is like having a girlfriend, and your credit score is how good of a partner you are in that relationship. Like it doesn't matter how good of a partner you were at the beginning of a relationship, you have to constantly maintain and build trust. And the same goes with creditors. Let me put it this way: Okay, you could have three years of a great relationship.

You're making payments on time, you're keeping credit utilization low, you're not borrowing too much money, and then bam, you slip up a little bit and you cheat on that Instagram girlfriend. That's why it's super important to never slip up or cheat on your credit score or else you're going to be constantly digging yourself out of a hole.