[masukomi]

> Your credit score matters far less than you think.

... uh... this is the worst financial advice i have ever heard with regards to someone living in the US.

credit scores aren't _just_ about if you get a loan or a credit card. They're used to determine if you're a safe hire. They're used when calculating your insurance rate (house / car / whatever). They're used when determining if they should rent an apartment to you.

I'm not saying these are _wise_ uses of it, but they _are_ uses of it.