content: You still have a credit rating. Have you ever borrowed for a house or car or other large purchase? Even if you havent, youve applied for a job. If that has been in the last five years  or so a credit search was run. At that point your name got entered into a database w a credit score of zero.  You might as well use the system, its using you. Use credit to your advantage. Get a card, use it, pay it down or totally off each month. It increases your buying power in our current system. And you ARE in that system like it or not. Your name is there, they are tracking your finances. Use them, they are using you.