<prompt> Human: I have a credit card but I use it like a debit card and always pay it off every month, I own a car that I bought with cash, I do not intend on buying a house ever and I currently have 0 debt. Do I have any reason to care about what my credit score is? I see people posting things like If you have an inactive credit card, dont cancel it because it will hurt your credit score. But from the way I see it, I DGAF about my credit score. Should I?  <response>: Yes, you should. some insurance companies use your credit score to determine your rates. Some employers will pull your score to determine whether to offer you a job. Rental companies check your score to decide whether to rent an apartment to you. and you may find yourself needing to finance a car whether you want to or not. shit happens and its better to have a good score just in case 