This site will give you your credit score for free. No credit card needed. I'm at a 613 which is much higher than I thought I would be. My 341 is in 2.5 weeks.
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I will be very very careful about what I purchase on credit, but that's a statement I couldn't make.
Someday we will need a new furnace. Don't quite see me just whipping out the money to buy something like that. Now, if it lasts long enough for me to save, GREAT! But in case it doesn't, I plan on trying to rebuild my credit to the point where I know I could get a loan if I absolutely need it.You can't have your cake and eat it too. But you can dip your finger in the bowl and lick the icing
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