Because we have a good credit record, borrowing money has not been hard for us. Perhaps it is as good as it is because we don't borrow just because we want something, always pay our bills on time, and are generally careful about managing our money.
We have had some challenging emergencies that have come our way that have required borrowing, and though we don't like owing money, it has been good to know our credit score is good enough to make it easy and possible.
Monitoring your Credit Report and Score is made a lot easier if you know how your financial decisions affect your credit score. If you would like to learn more about the things that harm your credit score, and find links to get free credit scores, you'll find a lot of educational information at the link above.