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ckeeler11 changed their profile photo
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My favorite brown
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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. I get it but its a rigged game. My credit score is in the mid 700's and the biggest hit to it is that I don't have an open account older than 3.5 years. reduces my score by 30 pts. or so. Even though all accounts paid on-time or in full with no issues. its also pretty crappy your insurance company uses it to determine your costs. Either way sorry for getting the thread off track a bit. You are doing it right and should be commended.