@Kyralessa - because there is no reason to borrow the banks money if you have your own. @Cory - I don't used credit and I do just fine. I have no FICO score and I do quite well. I have a big house and several rental properties - all paid for. By the way, you absolutey can get a mortgage loan with no FICO score. @Shawna - Dave Ramsey is RIGHT ON! I've been using his system for a while now. Keep your debt snowball rolling!!