Whoa There Almost Homeless Guy

"Good credit" isn't that important in life if you are smart and don't spend more than you have. I don't have "bad credit" I have NO CREDIT because I don't borrow. Yes it costs me a little more on auto insurance ( I don't understand how being in debit makes you a better driver ) and you would have to look a little harder to get a home loan, but so far the increase in costs has been less than I would have had to pay in interest. By the way I'm not wealthy, I made about 33k this year!