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[quote=Anonymous][quote=Anonymous][quote=Anonymous]Get your score up. Right now you score like people who buy household appliances from Rent-a-Center.

You never know what could happen in life. You may decide to stop throwing money down the toilet on rent. You may have an emergency where an easy $40k line of credit is helpful. If you’re as comfortable as you suggest and it’s really just a question of whether it’s worthwhile to get some credit and pay it off, the answer is obviously yes.

But this question is so juvenile I assume it’s a troll. [/quote]

I’m not a troll. But I’ll always rent because I’ll never have enough money to buy. [/quote]

I wouldn't have ever been able to buy a house except I inherited one (that is old and shabby and not worth much). My score is around 830, took awhile to get there though. I was very poor for many years and had medical debt in collections (much of that was ultimately written off quite a few years ago). Wells fargo and places like Penney's were always trying to get my to apply for cards, I usually refused and when I did I couldn't get one. Then at some point I qualified, and the credit limit has gone up every year. I don't make minimum payments, I pay the balance right away or at most within a couple of months (such as when used for travel and more than my monthly budget would pay for, and I want to keep my cash savings alone as much as I can). When WF offered a line of credit I took it. Costs me $25 a year and have never used but basically it increases the amount of credit that is available to me that I don't use. [/quote]

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