Credit score (and stable credit history, utilization, limits) determines your quality of life when your quality of life involves post-paid credit-based services

Credit score (and stable credit history, utilization, limits) determines your quality of life when your quality of life involves post-paid credit-based services. And whether and on what terms you can get a car loan or home mortgage or margin on an investment account. If that's surprising I don't know what you're thinking. I'm surprised though that AT&T didn't let you post a security deposit in lieu of good credit.