OK - so the way I understand it is this:

To get credit, you need to prove you don't need it.

I'm one of those who doesn't revolve - I pay all CC's every month. When I bought my house (20 years ago) I qualified for a ridiculously high amount that I knew I'd never be able to pay. I was amused, but I didn't bite.

Good credit is secondary to peace of mind. I treat my cc's like cash. I don't buy anything I cannot pay off that month. I sleep OK at night, except for hormonal shifts. I don't have a lot of whizz-bang stuff. Heck, I'm still recording TV on a VCR. I do feel sorry for those in dire straits & hope that those who couldn't resist the newest gadgets will learn. I don't buy into the "predatory lender" stuff. I'm the one who puts her signature on the bottom line.

Just my $.03.