I work reports for a major bank in the US. Most of my job is looking over reports, dealing with calls/emails and general corporate nonsense. I work specifically with the credit cards for my bank.
The amount of people that have charged off credit cards (over 120 days without payment on balance) that call in to "remove this from their credit report" blows my mind. The entire point of your credit score is to show you pay your bills, if you don't pay your bills your score is shit. Seems simple. In a 6 month period I deal with probably 500-1000 people who have serious credit card debt and then don't understand why they can't get a loan for a mortgage or a car.
On average I feel like most people understand how credit works, but I just wanted the OGs opinion on credit scores and what they mean.