That sounds fairly well-rounded. How much of it is prepackaged vs prepared at home?

My other suggestion would be to make sure that laundry and bedding/linens are also getting cleaned regularly.

If it’s specific areas of your body that you perceive to smell bad, like the feet, it might be some sort of fungal infection.

What’s your diet like? Diet can affect your scent quite a bit.

The only thing that can possibly affect your score in that sense is if you ONLY have a loan, no revolving credit, and you pay it off - now you have no credit utilization at all, which potentially could ding you a bit, but not much. That’s also not very common - most people have several credit cards and few loans, if any.

Ah, that would happen to be my exact experience, oddly enough. I don’t have any credit cards and payed off my car loan early because the bank was playing games with automatic payments.

It’s moreso a rating of how much potential cash they can extract from you over a lifetime in the form of interest.

That’s why, if you always pay off your debt balance before interest accrues, it actually lowers your score.

Thankfully, most of that shit is still on magtape, so actually have to work for it.

Relevant: https://www.youtube.com/watch?v=_jV1FAXPX9g