Do you believe we need credit to survive?  After the events over the last 3-4 years my assumption is that many have been forced to reduce or increase the reliance on credit depending on individual situations.

I am a bit torn on the answer to this question since I totally think it’s possible to not rely on credit to survive.  But you need to be creative and good credit is king.

But then you’d have to have quite a bit of luck as you need it to rent or buy a home.  Buying a car?  Credit check.   Car Insurance?  Soft hit (minor credit check).  Utilities turned on?  Credit check.  Let’s not forget the almighty credit check for certain jobs.

What are your thoughts?  Do you need credit to survive in today’s economy?  Be sure to tweet and facebook your responses when you reply in the comments.

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