Baraka_Guru

I'm going to have to disagree. Not caring for 10 years until you settle down to buy a house might mean it's going to be too late to avoid or fix a bad or mediocre credit record. If you have 10 years, get started now; you'll be much better off.

Now although bad credit might not be a deal breaker, being in a good position to get a house and pay it off in under 15 years would do wonders for the relationship, I'm assuming.

Oh, that and credit companies don't operate rackets, because what they do is legal.

You should always care for your credit because everyone's watching it.

Finances are a big factor in virtually all relationships.

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Knowing that death is certain and that the time of death is uncertain, what's the most important thing?
—Bhikkhuni Pema Chödrön

Humankind cannot bear very much reality.
—From "Burnt Norton," Four Quartets (1936), T. S. Eliot