How is your credit and do you care? The reason I ask is that I am in a credit driven industry (automobiles) and I see people that have marginal, bad or simply have never paid anyone in their adult life than I do people that pay their bills on time. About 12 years ago, on Christmas Eve is was broke and my parents live about 3 hours fron where I was living at the time and I went to one of those easy loan places to get a loan jsut to put gas in my car so I could go home for Christmas. I was turned down for a simple $100 loan because I had not paid any one of my lenders back. I was so ashamed and my parents had to come and pick me up just so I could spend Christmas with them. That was the point of no return. I mean, my credit was so bad I needed a co-signer to take the toll road!!! Now, I am a credit Nazi, all of the bad stuff has fallen off of my 3 credit bureau's and have re-established with stelllar 800+ credit score on all bureau's. Sub 2% car loans, 3.374 home loan etc, etc.....My wife thanks that I take it too far but after the embarrassment of the Christmas many years ago and the people I deal with at my job daily, it is like being a reformed alcoholic bar tender that deals with drunks all of the time. Just curious how you feel about the matter? How is your credit and do you care?