Not to mention, when I signed up for a Verizon account under an LLC that I have with my dad, we were forced to put down an $800 per phone deposit because the company had no credit history. Same with utilities.

When I was starting a company, the bank wanted to check my credit score to decide whether I was going to get a checking account or not. This has happened twice, once with my previous company and a merchant account for credit cards.

I haven't ever personally, but I've also talked to people who check credit scores as part of employment evaluation.

Also, having a higher credit score gets you a better interest rate if you do need a loan, which can be worth a whole lot of money.

You have every right to make the choice to live without credit, but I would have a hard time arguing that it's the smart play.

Be disciplined and use various financial vehicles for your advantage.

No credit == Bad credit.

This equates to you being seen as more risky which equals you paying more interest for any loan in the future. Having good credit also afford you more opportunities.

I only know b/c I avoided holding a CC and loans for years until it started to hurt. Now I use them with discipline and for my advantage and am 810+