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donnadoland

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is it true that if there is no credit acttvity for 5-7 yrs that your crefit svore goes to 0
I tried for a car and I was told that after 5-7 yrs if fhere is no cresit acrivity your score goes back to 0 even ic your credir is good?

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That is correct

When you don't use credit or borrow money, you will eventually have no credit score. From this point, you would either need to start establishing credit by going to a bank and get details about a secured credit card and how to build credit. Banks have great information to credit building. 

Otherwise, if you want to continue to not use credit (there is nothing wrong with that) you will have to save money to pay cash for everything and if you want to be able to get approved for a mortgage or auto loan, you will need to save a downpayment of no less than 20% of the purchase price to get approved for a "conventional loan". This type of loan exists, you just have to search around for a bank that does those loans. 

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