Living Without Credit Can Change Your Life These days, most people’s lives revolve around credit and keeping the credit score high enough to buy things such as houses, cars, insurance, cell phones, and rent. Even utilities can use credit reports to determine the interest rate you’ll pay and in some cases whether you can even get the item you want. Living without credit is possible, but be aware that some things might be a bit more difficult. If you have no credit, you will still be able to function in today’s society, but it might cost you an added one or two percentage points in interest or require a larger…