<prompt> Human: I have no debt except a mortgage which will be gone in a few years. I buy used cars with cash, have a fully funded emergency fund of 6 months worth of expenses. I have no intention of borrowing any money in the future.I dont do anything that would intentionally hurt my credit score, but on the other hand, I really dont care about it. I find it almost insulting that consumers are expected to play the game of credit. I dont believe in taking any actions to boost my credit score.I decided to write this post because I see so many questions asking If I do XZY will it hurt my FICO score? or If I do some XYZ will it get my FICO score up?I understand if people have loans balances, plan to buy a house soon or finance a car or something else.My overall question: Does anyone else just not care about their FICO score?  <response>: A low credit score can increase your insurance rates. 