I got to a point last year where I said F#$k it. My cable provider raised their rates on me at such an unfair pace, I decided to not give them a penny more. When i made that decision, I knew that my hard work at managing my credit was well on its way down the pooper. Well sure enough it dropped dramatically. I could not believe it. I also didnt care because I had no plans on taking out anymore credit. What pissed me off even more is that everything else concerning my credit is a-ok. I pay everything on time and keep low balances and low ratios yet this incident was like a scarlett letter. So I asked myself, WTF is the point of caring so much? If one financial commitment out of the 10-15 That I've had ( possibly more) counts so much on the negative end, then I feel this isnt really designed to work. So in conclusion, I am no longer a hostage to my credit score and report. What are your thoughts? P.s. My decision isnt the topic, the title is and feel free to explain why.