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Value of credit score if you never plan to borrow again?
You're definitely not the first to pose this question.  During the peak of the housing crisis I noticed a decent amount of very high dollar properties get abandoned to their fates.  Individuals who can afford the mortgage on a 5 million dollar home don't necessarily need their credit to survive so it made more sense to let the asset (now a liability) go and take the hit on their credit for a few years. Unsecured debt, as mentioned is a little trickier because its backed by default by your personal estate.  If the creditor is active they will sue you and likely win unless there are issues with their paperwork.   Thing is though, you might escape some impacts of the debt to your credit rating and you might not "need" credit, but if you were to act as a wealthy person and not "new money" you would observe the significant value of using credit. credit allows you to leverage your wealth and expand the capacity of your money to import your overall wealth picture.  It may prove best to learn that and then make more wealth on your winnings than take the short sighted approach and welch on the debt.