You know what's weird?

I biked to work for years, and bought a car in cash.

I lived in a cot on a boat for years, and bought a condo in cash.

The most debt I ever had in my life was $6K when I lost my scholarship for a year, and paid it back the following year.

All this for some reason combines to give me a horrible credit rating, to the point that BofA refused to loan me $5K for two weeks in order to finish a prototype run... which is when I ditched them for a credit union.