As someone who trashed my credit the moment I turned 18, this whole article is bizarre to me. I’m in my 30s now and I still have to pay for (nearly) everything, up front, in full (even cars). I can only use private landlords because no apartment community will approve me. If I can’t afford something, I can’t buy it. Amazon is the only entity that trusts me with a payment plan, because they’re the only ones who don’t check your credit score. As long as you pay on time, they don’t care; so I always have. That’s the only reason why I could afford a TV.