Very much describes me. I use cash for almost everything and have a credit score of 0 (zero)! I don't use or have a use for credit. 18 months ago the company I worked for had a background check done on me. When the results came in I smiled, knowing I had been doing the right thing. The results: this person barely exists. They went to school but there are no records of what happened, etc, etc, etc. It is how some of us live our lives, always have always will. I am over 50 y/o, born, raised, and still live in silicon valley.