this post was submitted on 27 Dec 2025
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The trick is to not give a shit about credit scores, of course I don't live in the US which helps.
The problem is, usually people and services that one uses, DO give a shit about your score. Unless you live off grid (not in the energy sense, but as a member of society) in the wilderness, you will have to deal with It, unfortunately.
It's quite easy to pay cash for stuff and forget that credit cards and credit scores exist, even when living in a big city.
I have never had a problem with completely ignoring it my whole life. Didn't matter to rent a room, didn't matter to buy a house. Never plan on borrowing money for anything other than buying a house either. I would rather go without - and often have. Never learnt to drive because I couldn't afford it and outright refused to take a loan to do so. My bike works well enough instead.
Same here, I've gotten weird looks for not owning a car. But hey, at least I got a pair of nice legs I get complimented on twice a year. lol
I understand, while that can happen with some individuals, it's not true for the vast majority of people.
I too rather go without this shitty system, but that's not how it goes unfortunately, got denied a house financing twice because of the low score (got some debts a década ago and the score never went back up), I managed to use a friend's name for financing, then later I transfered it to my name, many loops and roundabouts.