All your credit score means is that you are reliable in borrowing money and paying it back over a long period of time....plus substantial interest. If you are not wanting a mortgage, then there is really no need to borrow money... at all. Over the years, I have learned that my credit score has never risen much beyond poor. I have borrowed money from credit unions which I have paid back without fail. I finally managed to open a basic bank account with the Nationwide which provides me with a Visa debit card. If I were you, I would stop worrying about your credit score because you could end up over-extending yourself in borr