I had worked the credit system so well that i had 180k in unsecured credit line back in 2001.
I built an off grid home and said fuck it to credit.
In fact i did it on purpose.
By 'fuck credit' i mean i disputed the nature of the credit card lending process.
Didn't pay one cent.
They defaulted by being unable to answer my dispute.
Today over 20yrs later, dont know what my score would be….
i have a new jeep 18k miles, new Mercedes 1yr old. And a boat with one hour on it. ( need to resolve that soon.)
Bought em cash. Paid off.
The house is 5k sq ft and still off grid.
Win win.