You’re not financially free, if you are in debt, which is what a credit score is a measure of. If you owe money to others, that is money that you can’t use to buy assets.
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your credit score IS NOT a indication of how much debt you have. it is only a number that rates you ability to handle debt responsibly.

you can have no debt and have a high score. you can have no debt and have a low score also.
you can have a lot of debt and have a high score. and you can have a lot of debt and have a low score also.