Guess I’m lucky mine of 37 years has no clue and never questioned about any toys,she knows I don’t buy anything that I can’t pay cash. whether it’s a gun,boat,goftcart,Ranger or truck.i have no credit ,have not financed anything in 30 years.my daughter always tells me I need to do this and that to get a good credit score,I explained to her if you be patient and save and pay cash you won’t need any.