[fzeroracer]

To be honest, I haven't encountered any issues yet and I have quite literally no credit score. Never used a credit card and my history is entirely blank if anyone tries to run a check on me.

I've been lucky enough to never have to participate in a system that I view as being incredibly exploitative. I hope to keep it that way and honestly, I'd like to see further efforts towards curbing the credit score system. It's draconian, a bit orwellian and punishing to the poor and/or unlucky.