I have. Never used a credit card, never took a loan. I got my home mortgage via manual underwriting and a 30% downpayment accrued after years of saving. You wouldn't know anything about credit though, since you've never actually encountered it or anything related to it.

Yeah, ok sport.

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"Bring me that horizon".

Then you do live on credit, unless you get all your electricity through your own generator and none of your water through your pipes. And unless you have no cable or satellite TV, and are going online from a library terminal.
Sounds like you're the one whose knowledge of credit leaves so much to be desired.

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Words mean nothing to today's conservatives. They say whatever will help advance their cause at the moment, switch talking points in a heartbeat, and then act indignant if anyone uses the exact same argument they were using five minutes ago.
Dinner Table Politics

Those aren't credit-based services, they're recurring monthly fees for services rendered. Credit or debt would be borrowing $20k from a bank to buy a new car, or using your credit card to buy a new computer. What planet are you from?

Out of curiosity, are you still a teenager?

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"Bring me that horizon".

Your cable and internet is not credit, because you are paying for the month before, not the month after (so you are paying prior to use of stuff). However, from an accounting definition, anything that you recieved prior to payment is considered 'credit' until it is paid off (meaning electricity and water), but on a personal finance level (like what shows up on your credit report under 'credit'), those things do not qualify as 'credit'.

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Set your destination with your heart, get there with your mind.

"The wisest men follow their own direction." - Euripides

You're making a meaningless distinction, however, because you can't get those services (or get them at the same price) without a good credit record.

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Words mean nothing to today's conservatives. They say whatever will help advance their cause at the moment, switch talking points in a heartbeat, and then act indignant if anyone uses the exact same argument they were using five minutes ago.
Dinner Table Politics

They do if you do not pay them promptly. They will affect your credit if you go into late payment and really hurt if you go into collections.

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I know a lot of people with piss poor credit that have cable, they don't do more than a basic credit check to make sure that you don't have a history of fraud, that is hardly the level to earn the adjective "good." Even people with no credit at all can get cable or a cell phone or internet. They aren't checking your credit, they are checking your history, which just happens to be in your credit report.

I was making the distiction to point why you two may have been seeing the same word with different meanings, in an attempt that we could move past it.

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Set your destination with your heart, get there with your mind.

"The wisest men follow their own direction." - Euripides

Yes, you can. You're charged by kWh for electric, and your water bill depends on carrier and whether or not you own or rent.

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"Bring me that horizon".

That effects your credit score, not your credit. Your credit score is a guide line to how much credit you can be trusted with, it is not the credit itself.

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Set your destination with your heart, get there with your mind.

"The wisest men follow their own direction." - Euripides

And here I though we were talking about credit ratings. Silly me.

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