I have a score of 803 and rarely if ever used CC. Had a Kohl's card that was canceled because I never used it. Had a Penneys card years ago. Never had any others. Bought a house in the early 80s. Paid $40k @ 13%. Paid my ex his share when we divorced in the early 90s. Refinced it to by 14 acres of land in late 1999 but Bush was coming in so never built and moved. 2nd husband died but that land is paid for. I owe about $20k @ 4% on the original home. Bought a new vehicle every 10 years or so, took very few vacations and paid the bills. I dont have much in saving because I was the only breadwinner for many years, had two degrees to pay for and had a couple of layoffs that made me use savings to survive. if i can do it anyone can.

I have a score of 803 and rarely if ever used CC. Had a Kohl's card that was canceled because I never used it. Had a Penneys card years ago. Never had any others. Bought a house in the early 80s. Paid $40k @ 13%. Paid my ex his share when we divorced in the early 90s. Refined it to by some land in late 1999 but Bush was coming in so never built and moved. 2nd husband died but that land is paid for. I owe about $20k @ 4% on the original home. Bought a new vehicle every 10 years or so, took very few vacations and paid the bills. I dont have much in saving because I was the only breadwinner for many years, had two degrees to pay for and had a couple of layoffs that made me use savings to survive. if i can do it anyone can.