You are not alone. Lately I've been a little too involved in it.
I remember ordering FAKO scores two years ago... yeah, I thought they were THE credit scores.
It gets even worse, 5 years ago I financed my car at the dealership
Paying cash for everything isn't necessarily bad, though I'd be curious to know why she feels that way.
Perhaps your colleague's wife was traumatized as a child watching her parent's posessions get hauled off by the Repo Man.
It seems like most people here aren't really obsessed with using credit for a particular purpose as much as they are obsessed with gaming their way into a lot of it.
I'm only here because I want one card very, very desperately--and that's for the rewards that come with it!