@EmbraceTheGray@social.privacytools.io While it is true someone with bankruptcy can surpass someone without the idea that your credit utilization was too low was not the main cause.

For the ideal credit score credit utilizations should be 1% - 5%, anything higher will penalize you, about 1% or 2% is ideal. While it is true being exactly at 0% will penalize you the penalty is extremely minor at that percentage. Certainly not enough to make that big of a difference. It must have been some other factor making a bigger difference for you.

But yea I agree it is an unfair system all the same.