<prompt> Human: I stopped using credit 100 in 2000. I already had a house mortgage at that point and didnt want any more debt. I graduated from college with an Associates of Science degree in the medical field. I was making 30hr plus at this time and just paid EVERYTHING off and then only used cash. I have since sold that house and moved to another state. I had to pay big utility deposits here because of the blank credit report. I was ok with that. I bought a house and land on a land contract where I paid 70K cash and the balance of 60k was financed at 0 interest by the seller. I have a very small payment on this and will be paid off by April 2025 at the latest. There is no credit reporting on this loan. So, Basically my only debt other than monthly utilities is a mortgage that doesnt get reported. I am semi retired and am now wondering should I think about building credit again? If so, what a good place to start?  <response>: No. You won. No need to play their games. Even if life changes and you need to get a real mortgage, some companies not most will manually underwrite it we used Churchill Mortgage and they were more valuable than our realtor when we bought our house. In those cases, you dont need credit. The only other time credit matters is if you have a job where they check it finance, security clearance, etc.. If you ever decide to rent again not unusual when you get mature enough to want to deal with the hassle of ownership you may want good credit. 