I just think it is sort of a sucker score.
Therefore a higher credit score just shows that you are losing money to the banks.
Get a credit card. Pay your balances in full, monthly, then there are NO FEES. Free credit score.
Free low credit score. Banks do not want you if you pay off with no fees. That's the thing, a high score means you will borrow more than you can pay off and will go into debt. The credit business is about getting you in debt, not lending you money.
I have not had the same experience.