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Originally Posted by Stare At The Sun
I think caring about your 'credit' is a scam.
Unless you are going to buy a new house, or buy a new car, who gives a shit?
Don't live beyond your means.
I know I don't care what my score is, and I won't for atleast 10 years, when I settle down to buy a house.
Just like a lot of other things, credit is just a racket, and another way for multiple companies to fuck you.
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I have news for you. Employers are now doing background checks which include credit checks. Bad credit can be an indicator of your level of responsibility. A poor perceived level can prevent you from getting a job. Not to mention that credit scores play into auto lease rates, rental options and rates, loan rates and even car insurance rates.
It is far to easy to do credit checks on people these days and the results are used in many ways to determine behavior and lifestyles that may be problematic. An attitude like this would be considered a problem with many employers.