If you learn how to raise your fico, then you can save yourself money every time you get a loan, and you’ll get the best interest rates on vehicles and credit cards. 

Even if you don’t use credit for anything, your FICO still is taken into effect by some insurance companies and by cell phone companies. 

On a typical mortgage, the difference in monthly payments between a person with the best credit score and a person with a poor credit score is over $300 per month, $3,600 per year.  Over the course of a 30 year mortgage, the lower scoring person will have paid $108,000 more for the same loan.

As you can see, it really does pay to have a good credit score.