<prompt> Human: I bought my vehicle used back in October of last year. Since I was a first time buyer, with student loans being my only credit history, my interest rate was through the roof. Since then, I have managed two credit cards and my auto loan and have never missed or made a late payment. My current FICO score is 727, way up from when I purchased my vehicle. I still owe roughly 9,400 on loan if that helps any.  <response>: Uhh yes. No question. 18 is just stupid. 