I assume my credit rating sucks, and I don't care. It sucks because I pay everything cash: new car, Vespa, camper, everything. I finance nothing, and have no credit cards, no monthly payments of any kind, except ordinary utilities. My plastic consists of a single debit card for cash-free convenience, which means I only pay with what I have on deposit. My partner does the same.
Therefore I have a zero credit rating. I remember way back in 1981, as a 32-year-old Army Captain, an off-post apartment complex denied my application. "You have no credit history," they explained to me, "So we can't approve you." Well yeah, I never bought anything on credit in my life, no need to. Eventually we sorted it out, and I moved in.
Strange how the US operates, on the assumption that everyone is in debt. They WANT you to be in debt, and penalize you if you're not. I don't play by that game, and while inconvenient at times, no one gets a penny in interest payments out of me, or my partner.
We're far from rich, but we budget & pace ourselves, and spend nothing more than what we have. As a result, we have more than most with our income, because we pay no one for using their money instead of our own.