Would someone not having a credit score be a red flag?

Anonymous 1

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This guy I have been dating told me he doesn't have a credit score. He has never used credit. Part of me thinks it is a massive red flag but on the other hand the fact that he owns two homes, multiple cars, and other fun things all with no debt doesn't actually seem like a bad thing.

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Heyteacher
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Someone’s credit score isn’t on my mind ever…so probably not. Now if I were going to marry this person I’d want to know what the whole financial picture was painted and not just a score. There could be a thousand reasons why someone doesn’t utilize credit.
cgd5112
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Or he's a drug dealer and deals in cash.

Heyteacher wrote: Sat Jun 03, 2023 8:19 am Someone’s credit score isn’t on my mind ever…so probably not. Now if I were going to marry this person I’d want to know what the whole financial picture was painted and not just a score. There could be a thousand reasons why someone doesn’t utilize credit.
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I knew someone who had no credit. He was very stubborn and ignorant. He wasn’t stupid just had no education and flat out refused to learn. He was poor but i might see the no credit score as a red flag. Plus where is his cash coming from? Is he a mafia guy or just very wealthy?
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carterscutie85
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I didn't have any credit until about a year and a half ago. I never had anything to build it up. No credit cards, no loans, and I always rented from private landlords who didn't report things. I only started building it up because I want to sell my current home and buy a new one.
Deleted User 1977

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Have you actually seen the two homes and multiple cars or is this just something he claims to have?
Anonymous 2

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Anonymous 1 wrote: Sat Jun 03, 2023 8:08 am This guy I have been dating told me he doesn't have a credit score. He has never used credit. Part of me thinks it is a massive red flag but on the other hand the fact that he owns two homes, multiple cars, and other fun things all with no debt doesn't actually seem like a bad thing.

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What is his age?
Heyteacher
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That’s why I said you need to explore the whole picture. Is he a drug dealer, assassin, mobster…or
Does he have family money that allows him to be debt free.

cgd5112 wrote: Sat Jun 03, 2023 8:27 am Or he's a drug dealer and deals in cash.

Heyteacher wrote: Sat Jun 03, 2023 8:19 am Someone’s credit score isn’t on my mind ever…so probably not. Now if I were going to marry this person I’d want to know what the whole financial picture was painted and not just a score. There could be a thousand reasons why someone doesn’t utilize credit.
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I wouldn’t think he was making the best choice.


Even if he’s loaded, travels all over the world and never gets into the American Express lounge at the airport…
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mcginnisc
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Nope..not at all. A lot of people have no credit score because they have no debt..they pay everything in cash. It's a Dave Ramsey thing for sure. He hates credit cards and will not have one. He is adamant that you can get by in life without a credit card which means no credit score. If someone follows DR to a T, then I expect no credit score...if you are like us and only follow certain principles of his, then well..you have one. LOL We refuse to give up our credit cards.
Claire
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