Credit Ratings

Just hit Oprah reruns round the bend. Ugh. (This is what we get on AFN... it was this or The View...double Ugh. It's like a fuckin train wreck. Can't look away.) She is doing this thing on debt. These poor bastards up to their eyeballs in debt. Credit cards got them in trouble. How does one spend $40,000 they didn't have in the first place?! This is not include the house or car payment, by the by.
We have no credit cards. We did once, but we got rid of them; at the pentacle of our debt we had about $3,000 in bills on them.
All gone now. Funny thing that, as we check our credit report from time to time, and it seems our lack of Visas and Mastercards hurts our credit rating, as we make no payments to any of these blood sucking bastards. It''s some kind of a sick loop hole. All the experts say- get out of debt- pay them off. We did, and in the fine print on the bottom of the page it says "We see you have no credit cards. This can lower your score to prospective creditors..."
Then you hear tales of credit card companies that will take away your account if you pay them off every month, because they can't make money off you in interest. What the shit is that? We have that unique circumstance here, of course that even if I wanted to try and get a card from one of these vampiric bastard companies, they wouldn't know what an APO is if it bit them in the ass, so I couldn't get one.... probably better that way.
I just think it sucks that somehow being debt free is not making my credit score climb higher, but hurting it more. Who do you believe? The experts who say, "Pay it off?" or the credit report people who say "It's hurting you."? Or.. do you pay it off after it has hurt you? Does that look better?
Screw it.I don't need a debt diet. I am on a cash diet, and we are doing fine. We may have to save up for the big ticket stuff sometimes, but it's gotta be better than what those poor people are going thru on Oprah's stage, right?