I must concur with Dolores that this part of your comment make little sense.
If you were an employer looking to hire a truck driver, would you regard an applicant with no truck driving experience as having a "perfect" truck driving record? I assume not; why should it be any different for credit scores?
If I miss an exam worth half my grade, for example, should that exam (whose score indicates I know nothing about the subject) count toward my final grade? If so, I would get at most a 50% in that class, indicating I know only half the material (or less)! That's ridiculous.
It's the analogous for credit scores. Categories upon which there are no data to base the metric detract from your total score.
A perfect credit score doesn't necessarily mean you're managing money well; it does mean you're taking out loans and paying at least the minimums of them on time.
Topic: credit scores as courting tool (Read 2146 times)