NEW YORK — At some point, you'll buy your last car and refinance your last mortgage. Surely then you can stop worrying about your credit scores. Well, not really, although there are situations when credit scores shouldn't be anyone's main concern. Let's start with some reasons why credit scores still matter, even when you don't plan to borrow money. LENDERS AREN'T THE ONLY ONES CHECKING YOUR CREDIT Most insurers use credit-based insurance scores, which use information from credit reports to help set premiums for auto, homeowners and renters policies. A drop from excellent to poor credit can more than triple homeowners' premiums in some states. Credit can have a bigger impact on auto insurance premiums than any other factor, including someone's driving record, according to an investigation by Consumer Reports. That's not all. Cellphone companies often reserve their best deals for those with the best credit. Many employers check credit reports, which could be an issue should you … [Read more...] about Liz Weston: At What Age Can You Ignore Your Credit Score?