“Of course, if you don’t intend to borrow money, you’re OK.”
In my 72 years i’ve never borrowed a cent for anything or bought anything on payments except our 1st home and it’s been paid off for over 20 years.
I have no idea what my credit rating is because no one will give it to me without paying them $7.
I don’t know if you are familiar at all with Dave Ramsey, but he said that he checked his credit score and he doesn’t have one :) He doesn’t use credit and pays for everything with cash.
If more people listened to D.R. (and even he says that most of what he teaches is just common sense), then we wouldn’t be seeing a lot of this junk with the gov’t interfering with CC companies.
(from a soon to be debt-free household here)
Lol! Maybe we should take up a collection and see what it is. Of course, if you haven't borrowed anything lately and made payments, they don't like you at all!