Little Known Fact: Credit scores are not necessary to get the things you want and need in life. They are actually a trap to keep you in debt. If you have actually money, you don't need credit. If you don't have the actual money, you can't afford it. ...and by the way, When you don't borrow money, your credit score is zero. and you can still get a home with a zero credit score. It's called manual underwriting, and it's awesome! | Ramsey Solutions