—It’s a tough situation, to be sure.—
BTW, the only one that really concerns me is the job hit, because I know a LOT of people who live very happy lives and have NO credit. I don’t mean “bad” credit. I mean they pay cash for everything. It’s very freeing too, except when they try to rent a car with a debit card. ;-)
Credit is way over rated. But it’s easy for me to say since I’m in the highest bracket. But maybe that is because I use just enough to keep it there.
Ditto that. When I bought my house recently, the guy working with my wife and I dropped his pen and gawped when he saw our scores. The meeting - which started out as a bit contentious as we were making a serious upgrade over the current house - went smooth as silk from that point forward.
There are always ways to get around things, but good credit just makes stuff so much easier.