The Secret to Happiness is a low Credit Score.
I got a low credit score. Who cares? Either they'll loan me the money or they won't. It appears that the reason my credit score is low is because I don't have a credit card. I'll gladly sacrifice your imaginary credit score number if it means that I never have to deal with real credit card debt hell. But what about the flying miles? And the rewards points? And the 1% cash back!!! Screw it. Perhaps some elites have the self control to benefit from those tools. But not little ole me living down here in povertyville. I'd buy a 70" T.V. with that thing. So forget your credit nonsense. It ain't worth it.