My wife has/had zero credit cards, no bank account, ran all cash, no car loan.
Terrible credit rating due to her divorce from her abusive scumbag ex-husband from stuff he had before they even got married.
7 years for crap that wasn’t hers to start with to drop off her credit. And some of scumbags stuff ended up on my credit, took me almost a year to dispute it off my credit.
I have no idea what my credit rating is because i refuse to pay $7 to find out.
It can’t be too bad since BofA just raised the credit limit on my Mastercard from $30k to unlimited.