
The most commonly known "GOOD" DEBT would be a mortgage loan..
While, "BAD DEBT" would be considered credit card debt..
"Bad debt" aka credit card debt CAN be avoided..
It comes down to..
Knowledge..
Preparation..
Implementation..
Accountability..
Because let's face it.. You don't KNOW what you don't know..
Proper PLANNING avoids [%$#@] Poor Performance..
You Must IMPLEMENT the strategies and knowledge you've gained..
And, You must hold yourself ACCOUNTABLE throughout the process..
If you'd like to have Good Credit WITHOUT going into debt..
Learn what credit utilization is BEST to maximize your FICO scoring potential..
And, understand the REAL REASON why your score dropped after a POSITIVE PAYMENT or NO CHANGE to your credit report..