This is a story about credit scores. But before we get into all of that, you need to understand that I’m a perfectionist.

Obsessing over things is, like, my main hobby. I’m the oldest child, so according to birth order I was destined to be a high achiever from the moment I opened my eyes in the hospital. Growing up, my mom was an elementary school teacher, so getting straight As wasn’t just an academic achievement — it was a way to ensure I would be truly loved forever. I even scored an 800 on the now-defunct writing section of the SAT (I got a 730 on reading and a 670 on math, both of which kept me up at night).

So, naturally, I’m a little crazy when it comes to my credit score.