Would you rather be 100 percent debt free or have a good credit score?

Without debt payments hanging over your head, you'll have more financial flexibility and be better prepared for emergencies. A good credit score can get you better interest rates on loans and mortgages, but it won't eliminate them entirely. Being debt-free means you avoid interest payments altogether.

Debt free, what's the point of having a good credit score if i have no plans to take a loan