Yeah. Luckily I've managed to eradicate all of my "bad" debt and get my credit score to fluctuate between 830 - 850. It makes a lot of things much smoother ove

Yeah. Luckily I've managed to eradicate all of my "bad" debt and get my credit score to fluctuate between 830 - 850. It makes a lot of things much smoother overall. Basically, no one questions me once they run the credit check. And if they do, it's more like "Are you sure you don't want another? Something else?" Contrast that with some people I know who have sub-700 scores. Things are just that much more of a hassle. We were comparing car notes and stuff. And my (now) wife was talking about the company handling her auto loan and I was asking where she got her car because I usually get the loan through the manufacturer's credit house (i.e. if I buy a Honda, I'm paying Honda financial). And she got her car through a dealer, but they had to do a little more work to find her the most favorable loan. Basically people are eager to give me a recurring bill while they're a little more reticent to deal with her. And it's mostly because she has little to no credit history. I advised her: get a credit card with as high a limit as you can and then just forget about it. I have a $15,000 limit card that I just never use. It exists mainly so my overall use is a lower percentage. I don't think she's ever had a credit card. And I think her previous vehicles were purchased through less direct channels or legally purchased by someone else that she paid for (like her mother got the loan, but she paid it). I think this may be her first vehicle that she's purchased at a dealer.