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You don't need a credit score if you can pay 50% down, which you may be able to do if you didn't pay all your money to the credit card companies.

My credit card company paid $800 towards the airfare of my recent trip to Oz thanks to reward points.

I pay my card off multiple times per month. They don't get a chance to charge me interest.

(Just checked and I have $300 worth of points waiting to be spent on travel. That's my upcoming Boston trip covered.)

I've never paid a dime to my credit card companies.