In some ways it's even more expensive to remain "credit invisible" because of the security deposits now needed when you set up utilities, getting a mobile numbe

In some ways it's even more expensive to remain "credit invisible" because of the security deposits now needed when you set up utilities, getting a mobile number, applying for an apartment rental, etc. Building up a strong FICO score is the easiest thing with the exact mindset of OP with effectively the same amount of friction thanks to the "miracle" of autopay.