I never had credit to begin with. I had no reason to have it when I was 18 and people told me I should to build "good credit", but I'm the type that would make bad decisions, so I responsibly didn't get a credit card because I knew I would blow it. I bought any car I needed 3rd party out of hte paper with cash and the same goes for any major purchase I ever made. I paid with cash. Been applying for jobs lately and no credit is the same as the bottom-of-the-barrel bad credit. I had one employer think that I stolen my own identity and that he had "caught" me and wanted to know who I really was because I had no credit and I was going to tarnish someone else's good name. -___-