Quote Originally Posted by Etiken View Post
YOU DO NOT NEED CREDIT! Save your money and pay cash. You will live a happier life.
Tried that when buying a house, apparently having 0 credit history at near 30 years old makes you a risk, even if you can prove that you are stable, and can cover the payments and then some... :x

But for everything else, yes I agree XD Credit is eeeeviiiil D: