If you are handling your money wisely, you don't need a credit score.

 

Pay accounts off and close them.

 

If you're young, you only need to borrow money for a mortgage (as you likely haven't had enough time to save to buy in cash.)  You can still get a good rate without a score, it will just take extra time and paperwork as they underwrite the loan and look at your income history.

 

Ideally, you don't need a loan for anything... but that's living unlike most do.  But again, it's what to strive for and isn't easy to commit to.  There's no immediate gratification and takes patience and time... (in addition to not going on the vacations your friends do, not driving what your friends do, living within our means unlike your friends do, etc...)

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