> "I have mountains of money, why would I need credit?" is something which is often said by people who operate meth labs. Eh, this can get overstated on all th

> "I have mountains of money, why would I need credit?" is something which is often said by people who operate meth labs. Eh, this can get overstated on all those guides to hack your score. My wife and I are both, to put it mildly, debt averse. When it came time to buy a house the lenders cared far more about debt to income ratio than scores, which we never built up through artificial debt, but turned out fine anyway. Lenders deal with enough people that they quickly realized we were the sort of weirdos who would pay early and competed for our business. I suppose they could have wondered if we would be so confused by how debt works that we'd just skip random payments because we are bad at monthly responsibilities. Somehow they ruled that out by talking to us and looking at information about our lives. Makes sense, that's basically their job. Otherwise they're leaving money on the table. So sure, definitely watch for errors. Don't take something on then default. But otherwise a light history is not going to sink you, at least not on its own.