Up until last Saturday I was pregnant. Shortly before the baby arrived i had a dream that I went into labor and the attending physician was Capital One. I woke up and thought I really needed to back off on the forums and credit cards. 
Starting the credit journey here is like that - it is a stage that I, and many others, went through as well. It was like learning a foreign language via total immersion - when I did that I would apparently wake up in the middle of the night and start speaking Swahili