yes funny, my wife makes a third of what I do and has had a higher credit score than I for all of our 17 years of marriage. Regarding the payoff of the car. A credit score isn't purely your credit worthiness. It's your value to the credit lending agencies. So if you don't use credit and thus pay interest or allow the credit card to charge the payment recipient a transaction fee, your value to the credit agencies plummets and your credit score lowers.
