<prompt> Human: The only reason to have good credit is to buy a house but there are tons of people willing to give you a ninja loan. No Income No Job, Accepted! So why do I need credit? Same with cars. Do I actually need credit anymore since getting loans is so easy? Ill take it up the tailpipe on interest rates either way too.  <response>: Good credit is used for everything.Insurance rates, apartments, utilities, jobs, etc.Its not just used to borrow money. 