I'm curious how any bank would "happily" waive a debt of tens of thousands of dollars, just by being asked. "Happily", yet they still send their debt collectors? I don't think I understand. 😅

And even though I don’t earn an income now or have any debt/credit, my credit score keeps rising?

Have you pulled your credit reports to see? It will tell you what's happening.

Here in Australia it's basically a myth.

There's two agencies that keep track of what debts you have, and whether you're behind on your payments or whatever.

The "score" is just an effort to reduce that information to a single number, but lenders are interested in the file, not the score.

For example, the file might show that your score is good, but if half a dozen lenders have requested your file in the last 2 weeks that indicates that you're desperate for finance, but 6 other lenders have found a reason not to give you any money.

Lenders are in the business of lending money. If you need to borrow $100k to buy a $500k house, any lender will be happy to give you the money.

Basically, your score doesnt matter just be sensible with your finances.