<prompt> Human: I live in Michigan and will be debt free by the end of 2018. I have about a 670ish score, but lately Ive been making good choices and I have a delinquency that should disappear by 2020 and will bring my score up. However; Im sick of having to keep track of my score. I only have one card and I never accrue interest on it. I have a car loan my only source of debt and biggest regret that I also have never paid interest on and will be paid off this year. I understand that without having multiple credit sources open you will simply never achieve a great score. I dont care anymore. Below are some projections Ive made for myself: Be debt free by end of 2018 Estimated saving potential is 26,000 for all next year I have a mutual fund with around 2,000 that I contribute 100 a month I have a 401K that I contribute around 25 a month I make 3,000 during the school year and 2,400 during the summer each month Total expenditures are 700 a month after debt freedom starting 2019I dont really want to put much money into my 401K because those funds wouldnt be easily accessible for a down payment on a house that I want to save up for ASAP. I also understand that I miss out on my company match.How do I make the most of my situation? Once I become debt free, Im going to just shovel as much money into my mutual fund as I possibly can.A couple more bits of information: I know about mortgage underwriting, just not sure what banks require or which banks do the underwriting. If I pool more money into my 401K, I know there are penalties for withdrawing funds, which I want to avoid.  <response>: First thing is DO NOT PASS UP COMPANY MATCHES. This is literally free money for retirement youre saying no to. Practice some patience and delay the house a little to get that free money or at the very least stop contributing to the mutual fund and bump up the 401k for the match. You shouldnt even be considering pulling money from a retirement account for anything.Good on your for clearing your debt first though.Having said all that I know Dave Ramsey is all about the no credit score and underwriting thing. He recommends Churchill bank or something like that. I found this list with a quick search too. Underwriting can be a long process so not a lot of banks do it.So bump up 401k for the match, clear the debt, save for a massive down payment on the house while you check with banks for underwriting a mortgage. Keep in mind you will always have a credit score for as long as you use a credit card. If you really want to get out of the game close it and just start using a debit card. 