people that aren't rich NEED credit. there is no such thing as not needing credit. I learned (am still learning) the hard way. I have about 6 or 7 credit cards. I use them all (some too much at times), but only carry a constant balance on one of them.
I make a decent wage, but I am far from affording a very comfortable living. I'm not one of those people that live paycheck to paycheck, but I have to watch my pennies now and again.
I am in the process of buying a house right now, and I can only afford a small downpayment, so no one can tell me that your credit score doesn't mean anything. I just found out my credit score and it's just a touch over 800, so you mean to tell me that someone with no credit is going to come close to getting the same interest rates that I get? That isn't going to happen. no way.... no how...
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