That should include yourself, for the most part.
Your credit score only matters if you want to borrow more than you can save. If you want to borrow more than you can save, your credit score will be shit because you cannot handle money and shouldn’t be trusted with it. Credit scores are fast becoming a status symbol.
Pause for a moment to consider how nonsensical that is.
If you need credit, the score will be too poor to get it. If you don’t need credit, your wealth is the status symbol and your score is irrelevant. Yes, it’s unfair. It’s also known as Business. Credit scores are like a video game now – people look for ways to get one higher than the neighbours. Who cares what your fucking neighbours do? Do they control your life? Couldn’t you better spend your time? The time you make others pay for? Value yourself! Few people factor in their wage when considering what they spend their time on. i.e. Would it be more cost-effective to pay someone else to do your laundry? As in, less than the time away from work making money? A little rationality goes a long way, people. This is a sign of The Decline.
Think of it like a gameshow where anyone too stupid to wise up to redpill will die a financial death and it becomes tolerable.
When the illusion of money (hell, not even the illusion, it’s a shape from a computer bit) outweighs the social value of actual money and tangible goods, things are going wrong in a big way. People have inverted priorities and people (plural) control the markets. Herd mentality, to be precise/pedantic.
Credit scores are only useful if you need a loan on a short-term basis e.g. start-up capital. Long term is probably a con, or why else loan it? These people run a business and you are their living, breathing profit generators. Keep ignoring that interest rate, usury thrives on ignorance. When they come to take your games console maybe you’ll jolt yourself awake and start to give a shit what happens in the real world.