Originally Posted by SLAG
The FLAW is that you think you need to have a good credit score
It only Penalizes you if you need to borrow money - from what you say it seems like you don't need to borrow any.
I don't understand why you are obsessed with your FICO score.
You can usually get a substantial discount no matter what you're buying if you take your cash out of your wallet ask for a discount or tell them you're going to walk - watch their mouth drool
Well I tried to buy a new Harley with cash one day and they told me I didn't get a dime discount for buying it with cash so of course I walked (this has been several years ago when the economy was good, don't know how it would work today)