The challenges of living without a credit score
I give away Dave Ramsey's Total Money Makeover book all the time. Here's a great video about the challenges of living without a credit score.
At 2:00, he talks about being a renter.
At 2:45, he talks about buying a home.
At 6:45, he talks about why FICO stinks.
Now, if you're going to be buying a home in the very near future, be sure to check with your mortgage banker about what you should and shouldn't be doing.