Yeah…but then, with interest rates where they are, why borrow? I just need to earn 6% and spend 4% to double my estate to my grandkids in 30 yrs. If rates are over 6, I wouldn’t borrow. If they were close, I wouldn’t borrow. If they were really low, I might. Plus, borrowing gives the illusion of “affording” more…plus, I would never give some car dealer insight into my wealth.
I just find it odd that my recurring income goes to zero and my score hits the max six months later.