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And let's not forget that credit scores as an entity are already bullshit. Fun fact: asking for a hard check on your credit (needed to get a mortgage, often to rent, big loans/purchases etc) negatively impacts your credit automatically.

So far I've gotten by in life credit card-less, and when challenged on my fiscal trustworthiness, have been able to thrust a bank statement under the nose of the bastard asking. But it won't last.