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dianna follows me at facebook.com slash Davey how can someone improve their credit score when thereamp;#39;s no debt you canamp;#39;t and thatamp;#39;s a good thing we need to understand what a FICO score is a FICO score has ing to Phi cos website four elements to it a much debt you have the kind of debt you have how you pay your debt itamp;#39;s all about debt so your FICO score or into a guy this weekend he said no Dave I donamp;#39;t really need your information I have an 855 Aiko score Iamp;#39;m doing fine and it wasnamp;#39;t a situation where I it was a social situation where I couldnamp;#39;t really laugh at him in his face so I just nodded and said okay and walked away because there was no I didnamp;#39;t have time nor did I have the footing in this conversation to to completely expose the ridiculous thinking that that represents let me help you with that an 850 FICO score does not mean you have money it does not mean you have an income it does not mean you have wealt