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no. If you pay your bills OFF fast like i do, it isn't "living in debt". I hardly call paying a 6 year loan (My Lex) off in 2 years "living in debt". Same for my RZR, paid it in 1.5 years on a 5 year loan. Not in debt. But i got 800 credit out of it. If you live off cash nobody has documented, (shareable) proof that you are trust-able. Credit is just proof whether you are, or are not trustable. If you have none there is no way to establish either way. Doesn't mean you are or aren't...just no way for someone to be able to see for sure. I hear what you are trying to say though.