Offer your thoughts or opinion on the input financial query or topic using your financial background.

How can I have credit cards without having a credit history or credit score?
That is an opinion.  I don't think so.  Here are some differences: If you use credit responsibly and take the time to make sure the reporting agencies are being accurate, a good report can benefit you.  So that isn't like a criminal record. What is also important to know is that in the United States, a credit report is about you, not for you.  You are the product being sold.  This is, in my opinion, and unfortunate situation but it is what it is.  You will more than likely benefit for keeping a good report, even if you never use credit. There are many credit scores that can be calculated from your report; the score is just a number used to compare and evaluate you on a common set of criteria. If you think about it, that doesn't make sense.  The score is a reflection of how you use credit.  Having and using credit is a commitment.  Your are committing to the lender that you will repay them as agreed. Your choice is who you decide to make agreements with.  I personally find the business practices of my local credit union to be more palatable than the business practices of the national bank I was with.  I chose to use credit provided by the credit union rather than by the bank.  I am careful about where I take auto loans from, and to what extent I can control it, where I take home loans from. Since it is absolutely a commitment, you are personally responsible for making sure that you like who you are making commitments with.