Originally Posted by KCGal
Yep we are brainwashed into thinking we need a good FICO score. All that does is show the bank if you are a good little customer. Meaning you like to borrow money and you are pretty good at paying them when you tell you too.
The ultimate goal is to have a fico score of zero because that means you don't need to borrow money.
If you achieve this "ultimate goal", then you'll pay a lot more for auto and home insurance. Your credit impacts you financially even if you don't borrow money.