Credit scores are a scam

Or are they?

Author

Wuhoo Group
March 12, 2025

If you haven’t been on Instagram Threads, you’re missing out on the wild west of misinformation, oversharing, and a fun time. We see posts like the below all the time - claiming that credit scores are a scam!

But are they actually? Watch our newest WuhooPoints podcast interview episode with another Matt D - who is a credit repair expert with A-1 Solutions Group

In this episode we explain the different factors that affect your credit score, how credit cards can HELP and HURT that score, and helpful advice for parents or those starting out with credit.

Weekly Credit Card Tip #9

SET. UP. AUTO-PAY. It doesn’t matter how disciplined you are, you never want to accidentally miss a payment which will then hurt your credit score, incur interest, and pay late penalty fees.

What’s In our Wallets (Newsletter Exclusive)

Our lineup for this week is below. See our rationale here just for newsletter subscribers like you.

Matthew: World of Hyatt Business

Sarah: World of Hyatt Business (Matt’s card)

Pay No Interest Until Nearly 2027 AND Earn 5% Cash Back

Some credit cards can help you get out of debt faster with a 0% intro APR on balance transfers. Transfer your balance, pay it down interest-free, and save money. FinanceBuzz reviewed top cards and found the best options—one even offers 0% APR into 2027 + 5% cash back!

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About WuhooPoints

WuhooPoints focuses on the credit card consultation side of Wuhoo Group. We help you unlock the power of your credits cards for free luxury travel.