21. Pay money. No credit score, with the exception of a home loan. This is controversial, as society tells us we need to build a credit score score and we do that by getting credit score cards and having to pay them off responsibly. What about emergencies, you ask? Conserve your money. If you begin to practice paying cash, you will quickly realize how little you truly require to reside on and you'll be financial debt-totally free, which is a liberating feeling.