There's a lot more info in the comments but I'm trying to boost my credit score even though I don't need a house or car because I had to pay 6 months rent in advance to live where I'm living due to only owning a debit card my whole life and I think thats ridiculous. Basically getting punished for thinking creditcards were irresponsible my whole life. Many years into a software engineering career, high salary, no need for loans. Just tired of not having a good long credit history and the repercussions of that. Plus I'd like to get super rewarding credit cards and right now its all predatory starter cards despite a six figure salary on the east coast.