Xbox live - has anyone lost their credits?

Recently, I got xbox live and wanted to play halo reach online and it asked me a question, if i wanted to use default sparten and wasn’t sure what to say, so i said no and it brought me back to grade 1 level and lost all of my credits and marshal level. And now i have to start all over again. Is there anyway i can get it back through halo servers?

Hmmm had you been playing Reach with an XBL Silver account this whole time???

It is intentional, you brought your account online, which results in you having to sacrifice credits, it is to prevent boosting & modding offline.