[Lazamataz]

I had paid no attention to my credit because I assumed some old debts had clobbered my credit for life.

I looked at my credit report and was stunned to see how high my credit numbers were.

So I grabbed a card recently. I'm really not going to change my mode of living -- I buy what I can AFFORD, not what I will eventually be able to pay back -- but I like building my credit up for a mortgage someday soon.

[RockinRight]

If your credit score is over 620 and you have SOME credit history recently (even just one credit card) you can usually qualify and usually at a decent interest rate (but maybe not the absolute lowest out there, but within a point).