Smart SpendingSmart Spending  Do credit scores matter if you
avoid debt?  Some people care nothing about their credit scores
because they live debt-free and never plan to borrow money
again. Could you pull it off?  By MSN Money Partner Oct 19, 2012
3:25PM    Image: Close up of scissors cutting a credit card© Roy
Hsu/PhotographerA long time ago I told my friend Brad Chaffee
from Enemy of Debt that not paying attention to your credit
scores is dumb.   I refused to listen to his thousand and one
reasons why he couldn't care less, and I thought his claim
that he had a score of 0 (yes, zero) was cockamamy. I'm pretty
sure I told him it wasn't even possible, which I later came to
find out was kinda sorta untrue. (It's possible to have no
credit score, which in essence is kind of like zero, even though
it's not.)   Here I am, though, three years older and wiser, and
I'm starting to come around to the idea a bit more. Not that I'm
sold completely on the whole thing -- I'm not, and I'll totally
continue to monitor my