i agree. story time! i was redpilled and told not to worry about debt because it was all imaginary. well, i went through kind of an early midlife crises. i wasnt really in any debt towing the line being a good girl wasting my life away at a career. So i quite my job, i moved to another state and got engaged to a guy. i had a baby, and maxed out all my credit cards. i lost my car i owed money on and all in all, i was about 40k down the hole. in the previous state the police were banging on my door asking me to go to court to sue me or something over the car. they illegally called all my family to get info on me to scare me into paying the debt. in the current state, debt collectors were spamming my phone sometimes twice daily. One time a certain debt collector called in person. typically i hang up or dont answer because when i told them to stop calling it didnt work and only confirmed this was my number. she would say the line about "this conversation will be recorded blablabla" so one time before she could get it out, i recognized her voice and said "please take me off your list, sorry for what im about to do" then i screamed a high pitch annoying sound until she hung up. Oh, right, thats the lady who was after my car. we traded the truck in for a car in the current state so it was easy for them to find and take the car since they have trackers on them. anyways, I'm not a financial advisor. but the point of this story is that recently, years later, i checked my credit score. i didnt get to my credit score because i was baffled by my credit history. ALL MY DEBTS WERE PAID OFF SOMEHOW and i no longer cared about my credit score.