<prompt> Human: Im a 24 year old army vet currently going to school for computer science. I live on my own, pay all my own bills and school is covered by the GI bill. I have around 35k in savings and bonds and the only thing I ever plan on maybe going into debt for is a house. I have never used a credit card or anything like that, only cash. Is it necessary for me to actively build my credit score?  <response>: If you want a house, then yes, credit is important.If you buy a car, credit is probably important getting an auto-loan with low-interest, which is relatively common, is usually better than paying for the car with cash.If you want 2 back or more on everything you buy that allows you to pay with a credit card, then yes, credit is important.You can also use credit to your advantage to get free travel read the rchurning wiki for more on that if youre willing to put in a little bit of work. Ive taken 2 free flights and stayed in hotels for about 7 free nights so far this year, and still have more points I can use for my next trip. This takes work, but if you have the time, its worth it. 