I have a friend that has no debt at all, meaning he doesn’t have any credit. So when he ever tries to apply for anything, such as a car or get a house, he won’t have anything to show for it. I have a lot of debt, good and bad mixed together. I have been able to get some things that I applied for and others  haven’t been so good. Today, everyone needs to have a credit file. You can’t survive without one. It’s just normal to have some type of credit, whether it be bad or good. It’s of course, better to have a good score.