This doesn't get said nearly enough. Social media is also to blame. I know one person who got upset about his credit score (low 700s) from watching videos about it and then kept consuming information until he was seriously depressed about his (good) finances.
When I was in my twenties and early thirties, I never worried about any of this at all.
I couldn't imagine worrying about it, but maybe it's because I think I'm doing fine. Credit score is such a strange game to me.
Closed a loan? That costs me points, somehow.
Dad got a new cell phone and they ran the wrong person's credit? That cost me points too, because clearly their screw up was my fault. Hope he was still approved.
I rent and the cars are old. Sometimes I feel like I play on hard mode by having a $3000 VISA as my only debt.
If I make a $2000 purchase, they report it Tuesday, I pay that back to them Thursday, and I check my score? Woah, dropped 80 points! What a delinquent!
That might have become more of a rant than I intended. I should probably just apply for more credit stop the large points changes like this.