<prompt> Human: I have no debt, make 60K a year wife is in grad school but makes 20k and both cars are paid for. We have a large emergency fund and have never needed to use credit cards or take a loan except my student loan which we paid off last year. I dont think a credit score will follow me when we move in 4-5 years. We dont plan on returning, and my current employer has a office and would be willing to let me transfer. Do I need to build a credit score? What are the pros and cons of doing so?  <response>: Well, I dont think youll ever regret having good credit. On the other hand, theres a higher probability that you will come across a situation where you would wish that you had a credit history. Better safe than sorry. 4-5 years is a long . You never know what may come up during that time.Also, its not like building credit is difficult or requires a huge lifestyle change. Just get some credit cards with no annual fees and a good reward structure. Use those for everyday spend, pay off the balance monthly, and boom - good credit history you earn rewards too. 