I've lived 20 years with absolutely no credit. It would have been the death of me, because I've worked for myself this whole time and have been living day to day by the skin of my teeth. It was a good thing that I destroyed my credit when I was 23 because if I had credit I surely would have used it to survive, gotten myself into debt slavery, and would have had to work a job to pay it off which is my worst nightmare. OR... like you I could've just let it go I guess. I destroyed mine with a mere $1,000 maybe I should've kept going. Ha, doesn't matter to me we've bought old Toyotas cash and didn't mind living in a trailer we bought with cash with a tiny monthly lot rent to allow us the freedom to exist and do the things we like to do to make our money.

Since the time I destroyed my credit, new innovations have come into being which allowed me to easily rebuild my credit which has been a fun and easy game I've been playing essentially since Covid hit. I found out about Self Financial, and it's just been super, super easy. They take out an automatic payment for me every month of a small amount that gets put into a savings account, and then after a while they offer me a credit card, I make a small purchase of less than 30% of my credit allowance on there, and voila that credit score just takes off. Then other people offer me cards. All the time actually. And it is kind of nice to have extra funds to build my business more than I used to. My credit score is now up to 716 with absolutely no headache from me. I did it so I could get a mortgage.

Just shredded a file with papers from this nonprofit I used to work with that was trying to help me fix my credit. Amazing how much easier things are now looking back at that. So many apps that make life so easy!

Anyway, on that same road as you with the credit! Had to read your experience.