I have a coupe of decades on you, I think, but those are the old values.<quoted text>
You and I must have been young at approximately the same time. My spouse and I had no debt when we got together. Not even a car loan. We purchased our first house with 20% down-payment, and paid off a 30 year mortgage in 12-1/2 years. We have always paid cash for anything else we bought. And we paid off our credit cards every month. So we have never had to worry about a credit rating.
Bought a house on time?