I hadn't thought of that, but I doubt he cared terribly much, as he pretty much hates credit as a practice. I learned from that though, but I'm not exactly money-savvy, as I tend to care very little about it.
Yeah for the guy you're talking about it makes no real-world difference if he takes a minor credit score hit. But people who need to optimize their credit score for whatever reason should keep in mind that there are all sorts of events that may impact your credit score in ways that seem odd at first but make sense when you consider the scores aren't just about how likely you are to pay off debts, but a combination of how likely you are to pay off debts while also giving the credit issuers a enough profit off interest to make it worth their while to loan to you.
