FICO score headed to zero -

[Anonymous]

My score was 825 several years ago. I have not had any "major" purchase in 30 just to cleaify. I you could prove you made $X and your liquid assets are $X of couse I would lend to that person.  Thats how they used to do it. Person P&L is all you need. 

[Kforce]

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@Remedios wrote:

Kinda my thoughts, too.

If you dont need credit, then scoring should be non issue. 

If you think you're going to need it, get a credit card or something.

Otherwise, we're just beating a very dead horse here

You have no active accounts, so there is nothing to score. It will remain that way, unless you have an active account of any kind. 

I'm not going to try and convince you either way is better, but obviously you're bothered because you're here. 

You're not being penalized for having no debt, what you see as penalty is simply inactivity.

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This  +100   ^^^^

[Anonymous]

Agreed, I think im done here. Thank you all for your input, much appreciated.  

[OmarR]

"Playing the game"

OP, a lot of good advice from the veterans on this forum. But I do agree with you on one respect; If someone has cash-flowed their life for the last 20-30 years, and they kept their credit score alive by simply buying a stick of gum every 6 months , than yeah, that's playing a game IMO.

So just play the game and keep that score up if you plan to really borrow someday.