I have always felt that if you pay your bills on time you will never have to worry about ruining your credit score,
Now I know that some people will say that unexpected things do come up,
But if you don't overload yourself with debt, you can always have a perfect credit score ,
My Grandparents used to just live with cash , because they never wanted to have bad or messed up credit,
Then again - in this day and age its impossible to live without credit
