I never realized what I had until it was gone. I never even thought about credit when I was younger. You know when I first graduated High School I was very reckless with my credit and I really thought that I did not have a care in the world. But after that I began to face to consequences of my actions, and I began to pay for my reckless behavior. You know I think we need to educate our young people better in the matter of credit. Right now I am using a Title Loan to help improve my damaged credit score.