Apparently only my wife ,my kids - all of who I have to co-sign for - and the bank only care about my credit rating......I haven’t cared for 40-years since I learned to not buy shit I can’t pay cash for. Never had a problem when I ... I mean THEY , needed a loan.....
I hate it. Not so much the kids as the wife.....since I have to listen to her bitch / whine about HER poor credit score and her always asking me to add her to my credit cards and help her fix her credit or - the latest- co-sign on a new 4-runner. Only the last time I did something like that I had to pay off $17k in her debt on a HELOC when we sold our last house. So fuck that.. Just one of the reasons I’m strongly considering making her my ex-wife.
That being said.... I do have a couple of credit cards I use regular for convenience.which get payed off monthly. And a mortgage.