I know a whole lot about building credit. I'm also a multi-millionaire and retired at 35. My credit score didn't get me there.

Some apartments look at credit scores, sure but a lot don't. From what I've read it's pretty unusual and controversial for an insurance company to base your rate on your credit score (happy to be pointed to a source that disputes this).

I think a lot of people get overly focused on credit scores because they get sucked into this lifestyle of living on borrowed money and being a slave to the bank forever. I'm just trying to point out that credit score should be a tiny percentage of your focus, and rather focus on living below your means and investing early and often to become rich. Then you REALLY don't need a credit score.