Kinda no choice and even if you don't use them banks and other places you have relations with share data with them... Go to the hospital but never pay your bill

Kinda no choice and even if you don't use them banks and other places you have relations with share data with them... Go to the hospital but never pay your bill? They will go tell Equifax or the other big 2. I kinda think the whole credit system is kinda odd anyways. Someone was starting a business and didn't have any credit to co-sign for the company to get credit to help pay as they needed to scale up. Yet someone who just buys chicken nuggets once a month on their credit card and pay it off in full who makes less money would have a better score than someone who makes millions but is very anti-credit. I think having credit is good though and it depends on the states but car insurance companies, apartments/real estate and employers factor in your credit score too. If you have low credit and have a job where you deal with cash like say a cashier, someone with low credit is more likely to steal or wreck their car is the assumption. So using to measure how responsible you are.