I think people could only advice what they think is best or based on their experience. It’s hard to advice anything in regards to other people’s lives. Maybe others don’t care about credit? Weird.

Ruined credit is a big deal because it takes long to build it up. Heck it goes down by a lot every time you get a car loan/lease. Simply because you applied and takes a year to build it up, for that to drop again when you apply for a new loan. It’s a nightmarish cycle. And it’s for just applying. I bet you yours dropped when you co-signed too. I can imagine it drops crazy when you stop paying and you likely will deal with collection agencies. It is a big deal!!