This is horsepoo. I hate banks and nearly all credit lending agencies. That is why I currently own no credit cards. My truck is paid for.
Unfortunately, unless I want to save up for 20 years I'll have to borrow to build my new house. My current house is almost paid off though. I have a little over a year left on that one.
Would be a good idea if we went back to olden days of nobody having any credit and just expecting to save their money until they can afford what they buy.