Even if you don't plan on ever taking out a loan or getting a credit card, you might find that not having any credit will put you at a disadvantage compared to those who have good/excellent credit.
For example, if you're looking to get an apartment, many landlords will check your credit in order to find out whether you're financially responsible or not. Another example would be when looking for a job. Some employers will check your credit to find out more about you.
Yes. Your credit can/will be checked by landlords, potential employers, and insurance companies just to name a few. Because of this, even if you aren't planning on getting a loan in the near future, you want to keep your credit as pristine as possible.
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