The only time our lack of credit history has hurt us at 37signals is when we were looking for some sort of credit, like net-30. In that instance, we changed to

The only time our lack of credit history has hurt us at 37signals is when we were looking for some sort of credit, like net-30. In that instance, we changed to net-10 and things were fine. If you don't need credit, you don't need a credit score.