We paid cash for our house. I am not sure we even have a credit rating.
Probably low. My son did the same thing. No credit card and no mortgage, which are the two most important. He did pay off a student loan years ago, which doesn’t seem to matter much in the credit score game.
I'm sure I don't have one. No plastic.
I own a number of houses, all fsbo's. A few rules of thumb:
Don't even look at anything requiring a bank mortgage.
Don't count on a property generating income.
Look for properties at tax sales, and look for fsbo's, and if financing has to happen, go with seller financing. Avoid properties listed with a realtor.
I've been doing this for a few years (while my friends have been drinking and wenching through college). I've never had to lay out more than $2k for anything, up front. How am I doing? Let's just say it's "lucrative." :)
#2 You do not have good credit in the eyes of the credit card companies if you do not keep those 10%, 20% 30% cards. You get dinged points by getting 0% cards for a year then cutting them up after the year to get new 0% cards. They ding you for having others check your rating when you get a car or home.