Of course, I was able to create a great credit score very quickly so it was never an issue. My problem was that I thought the entire system was problematic and

Of course, I was able to create a great credit score very quickly so it was never an issue. My problem was that I thought the entire system was problematic and I didn’t want to participate. That was stupid, not to mention unfair to my family. Even if you’re more wealthy than average, getting by without any credit at all is extremely impractical.