yes but (at least in the US), your credit score affects stuff other than borrowing. often landlords will perform a credit check before approving your applicatio

yes but (at least in the US), your credit score affects stuff other than borrowing. often landlords will perform a credit check before approving your application; even employers will sometimes check an applicant's credit. also keep in mind we are talking bad credit and all your assets seized by creditors. i'm not saying a bad credit score is literal hell on earth, but if you have no money and no credit you are gonna have a really bad time for a while.