I thought getting out of debt would be great . No car loans . House paid off. No credit cards. That's what we strive for right ? Long story short , after a credit check revealed that I didn't have the great credit score I used to have , turns out I should have stayed in debt. Who knew ? For the past 2 years I never bought anything , used a credit card or had a loan payment ( car payments, mortgage loan, any loans ) and it turns out that was a bad move. Yes I have no loans , etc. And I also don't have a payment history for lenders to look at which put a negative impact on my credit rating. It's hard to understand all this and was advised to obtain a credit card to improve my credit. So was it worth all those years of busting my tail to get to where I'm at as a home owner with no car payments, mortgage or credit debt if I can't have a great credit score ? I dropped almost 100 points by not being debt free over the past 2 years. What's wrong with this picture ? So I guess I have to go back in debt?