<prompt> Human: Legit question. I work in advertising, which is almost universally relegated to large cities. Im deeply, deeply opposed to commuting, which means urban living, which means renting. I realize that moving forward, having a family may change thingscurrently 24 but I definitely know there are family-sized apartments in the big city.I have no intention on ever purchasing a car that I cannot buy outright using funds I have earned, e.g. no loans. I have a long work history, which as far as I know, supersedes credit history when renting.So if I never intend to buy a house, never intend to take out a loan for a car, and have a work history that ensure my ability to rent wherever I need to, why, exactly, should I concern myself with my credit score?  <response>: I would say your only uses for a credit score would be minor things that probably dont matter to you.A couple examples:Good credit can sometimes get you cheaper rates on insurance auto, renters, life, medicalGood credit can get you lower interest rates on credit cards, or make you eligible for cards with better rewards credit card rewards are free money if you never carry a balanceBragging rights to make your friends jealous. 