These days I could care less about credit scores or credit cards, I just save up for what I want since my emergency fund is up to speed.
Like Dave Ramsey says, I have a perfect credit score, ZERO.
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I do what you do, but I have a unicorn credit score, according to my banker, 835
Holy crap; how ya pull that one off with no lines of credit??
My wife and I have one last piece, the home and we are on target to be done with that in the next 12-18 months.
No one will ever own us again after that (yes, I know, I get it, property taxes for all those wanting to pile on for no good reason).
The one thing I chuckle at monthly is the credit agencies sending me e-mails “your score has changed!” uh,,,, how exactly?? My stuff is locked and all my accounts closed for years now.
Glad you are in the same boat being “debt free”; we drive the banksters mad!!