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It might not matter now, but can you say for sure you won't need it in 4 or 5 years?

Yes, I am 100% sure. I do not use banks for credit. If something happens and I need cash, I have friends. We do not use contracts, the only thing that matters is a man's word. I was 32 when I came to America, to late to learn new financial strategies :-)

Car insurance is directly related to your credit score. Apartment leases. Just because you're not in need a loan, you will be paying higher rates and denied leases if your credit score is subpar.

I own my cars, and insurance is not required in NH. I also live on my property. The only need I may have is renting a car, and I am an authorized user of my daughter's credit card - as soon as the card is charged, I pay the balance from my checking account.

If something happens and I need cash, I have friends.

This is something that is foreign to many of us. Not that we don't have friends who would help us, but this is more of a Russian way of doing things than an American way. I find nothing wrong with it, but it is a foreign concept to most American folks who would prefer not to be in debt to their friends.

Regardless of paying my debt to Roehl, I wonder why people care so much about their credit score? Personally I do not use any forms of credit, I spend only what I earn, so for me it doesn't really matter.

It might not matter now, but can you say for sure you won't need it in 4 or 5 years?

Could be irrelevant, but my kiddo got a free ride with a coding class/subsidy, based on my credit score. We didn't use dad's..because his is better.

~ Anne ~

the only thing that matters is a man's word.

But that is exactly what the contract is. You gave your word you would pay and you are now refusing and coming up with excuses and how it wont affect you.

The contract was your word. What is your honor worth to you?

It might not matter now, but can you say for sure you won't need it in 4 or 5 years?

Yes, I am 100% sure. I do not use banks for credit. If something happens and I need cash, I have friends. We do not use contracts, the only thing that matters is a man's word. I was 32 when I came to America, to late to learn new financial strategies :-)

Better to have it and not need it, than need it and not have it. Like all the crap I keep in my trunk. I hope I'll never need it, but I'm glad it's there.

But that is exactly what the contract is. You gave your word you would pay and you are now refusing and coming up with excuses and how it wont affect you.

The contract was your word. What is your honor worth to you?

Kearsey, you need to read other people's words more careful if you want to comment on them. What I wrote about credit score has nothing to do with Roehl, that's why I said "regardless to my debt." I also said that I was going to read the contract again and then set up a payment plan. There was a lot of paperwork, and I do not remember exactly every phrase and word there. As for "giving my word," I promised to drive 120k miles at a low cost - paying $7000 was not my original intention.

A credit score tells lenders how good you are at repaying debt. A good credit score will help secure large sums of cash at a cheap rate. I don’t see how you can get a decent house or car without a good score if you don’t have “friends” who can give that kind of money. But that’s just me. Debt isn’t necessarily a bad things.

Hi Andrey, glad to see the new job is working out. I thought I'd put in my 2 cents: it sounds like you agree that it's reasonable for them to expect to be paid something, since they did train you and it probably helped you get the job you have now. If you think there might be a legal reason that you can take advantage of to avoid paying them back, my advice would be to consult a lawyer. As for credit score, some companies will look at your credit report as part of a background check, so seeing that you refused to pay someone would probably look bad.

my advice would be to consult a lawyer.

Yes, thank you, that is the plan, I am trying to get the written contract from Roehl. For some reason, they told me that it is "internal information." Really? :-)