You should certainly repair your credit. Your financial life would be in a mess otherwise.

My credit score is low. I'm not bothered about it. I don't apply for loans at all, but my spouse is constantly telling me to repair my credit. Is there really any need to repair my credit?

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You should certainly repair your credit. Your financial life would be in a mess otherwise. You may not need a credit card or a loan right now, but there's no guarantee that you won't need it later. You would need a good credit score for buying a home also. 

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Yes, you need to repair your credit. If you don't, then you may find it difficult to get a job in future. You may even face problems to get a rental apartment. 


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