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We dont have any credit - not because we have had bad credit but because we pay for things in cash therefore eliminating the need for it.
I know this is a touchy subject with many in our family, but we paid for our house in cash - we just committed to renting, saved up the $, and now we owe nothing but utilities monthly.
You dont have to have credit - the only time credit is necessary is when you're trying to obtain, and we just feel like it's not necessary to owe money to anyone. But like I said, this is touchy with many folks, most probably dont agree with us because most folks live with credit cards - they assume that the credit card will give them a discount/mileage/rewards - we just have never had to use a credit card for that reason at all.
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