Since, I can remember in my early teenage years credit scores meant not much to me. From witness my own family using my identity to order junk through mail, and friends trying claim I lived with them. Right out of school, I remember during a career fair event held by the church next to school. A lady once told me it wise I start building credit with a card. Her reply once she entered my information into a computer was shocking. Well, your not approved guess bad credit is better than no credit; Had to find out what she meant, 'literally your parents poor choices effects any children of their if they filed bankruptcy, or have bad credit.' She suggested, I started with a cellphone company and auto. So, that I did! Next I was workaholic: As long I could pay for what I want, credit was last thing on my mind. Fast forward to my mid 30's, never thinking about preparing for any type of retirement. Hit hard after retired, and put on di...