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|re: Is having a credit score really necessary?|
Have you ever looked into getting medical collections removed through the HIPAA process? I don't know what it entails exactly but have heard of people getting them removed that way. I had a medical collection on my report and called the collection agency and did a "pay for delete", where I paid what I supposedly owed them and they removed their entry from the credit bureaus.
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This is the answer. I used to work for an insurance company. They run your credit during the underwriting process. A high score will put you with the good company line your insurance company sells, and you will save money.
I have no debt besides the mortgage that I qualified for many years ago. Why do I appreciate my good credit rating? Because it saves me money on inusrance. It gets me a lower credit card interest rate. No, I don't carry a balance-EVER, but if I did need to do so one random month, I'd save money.
In this day, unless you live in a cave, you should not ignore your credit score.
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