Age of 370Z owners?

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I have had an LOC for about 2.5 years now. I really wish I had gotten into building my credit younger as well. The 7.34% is on a 72mo loan, could have gotten 6.34% on a 5 year. Anyway, I was only a mid/upper 600's beacon, so I was in B-tier category. I plan on re-financing in a couple of years. You are 100% right, though, getting credit rolling when you are young is the way to go! You really need to help finance your highschool car/college car, so you have car credit. That is prime.

I bought a Z06, and not a 370Z, so I can't make tripple-payments or somehting like I could with the 370Z. I am shooting to re-finance in 2 years, and pay it off in 60mo.

I always wanted a Z06 or a Viper, so I got one. The difference in my notes at 7.34% vs. 4.25% (about the best you will find at 72mo regardless of who you are) is less than $100 a month the way I structured it (payment every 2 weeks), and quite frankly, that $90 or so a month isn't very important to me vs. the several years it would have taken to end up in the 720+ region, considering I wouldn't waste my money on another car, and didn't want a house, that climb would be infinitely SLOW.

For example, I paid my debt down from 100% to 50% debt/credit ratio, got a new credit card and used the hell out of it and paid it off several times a month, and took out and paid off a little $1000 loan. During the 6 months I did all this, my credit score went up...by 8 points. I need a car or a house on there to actually make any changes to it, and I don't want a house, and I already have a DD that's paid for. The fun-car was the only thing lacking in my life, and like I told my banker, anything other than the car I want, is just a waste of my money because I won't be happy with it.