Comment by klyrs

I've lived most of my life without a credit card, never leased a car, never gave owning property much thought. Got some student loans when I was young, but that's about it for my credit history. This is all a result of me living responsibly within my means. Rental referrals are just about the only leverage that an ex-landlord would really have over me. You can duck collections pretty much forever if you don't need credit