Yea I understand the importance of building good credit. I'd like nothing more then to be financialy stable. Mabe in a year or so I will refinance my truck and have it under my name to build credit. It sucks cause I make my payments + insurance put it's under my mothers name.

I'm just going to save up about $1500 and put that payment down on a new quad. That way it will be soly under my name and I can build a little credit that way.

I guess the credit union didn't care that I payed off my lift kit, tires, wheels, ect in a very timely manner, never missing a payment.