Just FYI, your credit score is NEVER irrelevant. Your credit will be checked anytime you apply for a loan or try to rent a house or apartment. If you have a knock on your score for failure to repay a debt, landlords may choose not to rent to you.

You want a better mortgage rate or loan rate? Have good credit.

Character matters. You aren’t entitled to walk away from a consent agreement without penalty.

If you don’t want to accept the risk, don’t agree.

Don’t be foolish.