Hi Rob,

If a person has low credit, it can often be an indication that they’ve been irresponsible creditors. If someone tells me they have a 600 credit score, the next question is “why”.

Lastly, I’m a fan of credit — as long as the balance is paid each month, it’s not something to be afraid of. Building good credit is important if you plan to obtain a mortgage (which I’m also a fan of) —I don’t have a desire to pay for a house in full and tie up my cash, especially given that interest rates are so low.

Basically, not all debt is created equally.

Thanks for stopping by and reading, I appreciate you!