We use a credit card like a check book because it is quick and easy to use and its safer than a checkbook.
We pay off the balance each months and there really seems to be no way to account for that. It seems to affect the score. Documents was a valid hit for us, especially considering our age. We are not spendthrifts so we really do not pay attention to them or expenses as they have been no problem. We have car payments and a mortgage and that is about it. Jus sayin'