I'm not sure if a 0 credit score is the same thing as having 'no credit history'. I'm wondering how long it would take a credit score to drop to 0 (something Dave Ramsey says happens eventually after you pay off all of your debt/close all accounts). I looked online and people seem to suggest that there is no such thing as a 0 credit score and that it will take between 10 years and never for your credit history to go away. I think I've heard Dave Ramsey say it takes between 6 months and a year but I can't seem to find anything to verify this. Does anyone know how long it would take for your credit score to drop to 0? Or if there is such a thing for that matter as a 0 credit score?
My goal is a 0 credit score, and I would see that just as a small personal accomplishment. All of my debt/accounts are now paid off and closed so I just want to know if this is something that will happen and if so approximately when. This question is entirely driven by personal curiosity.
This is the form I saw where people said there is no such thing as a 0 credit score: http://www.city-data.com/forum/personal-finance/1139747-how-long-does-take-credit-score.html
I selected the 'correct' answer because its seemed to be the most popular. Some answers contradicted each other. At the very least it sounds like a 0 credit score used to be possible, if it is now I still don't know. Based on those answers it sounds like after 10 years the best I can get is insufficient credit history. And like I said this was more out of personal curiosity the last account I had open was a mortgage, and now that is closed I shouldn't ever have another reason to borrow money again.