You may be debt free but they have no way to assess you as a financial risk without a history of borrowing. I'm OCD about my credit score and I laugh when people say that they'll never own a credit card.
Yep. I take pride in my credit score. I put gas on my card every month just to use the card. An open line of credit can hurt you if you don't use it. Hell that's why I just financed my new ranger.
