No credit? No problem?

Posted by Jeff on June 22, 2009 under Opinions |

With the economy in the toilet, there have been more and more ads for people who have bad credit but want all the perks of good credit. That’s cool, wanting what you don’t have, that’s America, baby. What I love is how coddling these ads come across.

The one I hear the most is also the most oddly specific. “Does your bad credit keep you from getting the laptop you’ve always wanted? We can help!” Well damn, thank you! I wanted to get a loan for a home so my fiancée and I can start our life but yeah, actually, the laptop thing sounds a lot better, thank you!

Ads like this always paint people with bad credit with the same brush- an innocent mistake and then the credit companies start to hammer you with fees and fines and generalized unfairness. Maybe you have bad credit because you’re rubbish with your money!

Credit exists for a reason. If I take out a loan and miss a few payments and then don’t return my flat screen television to the Rent-A-Center when I’m supposed to maybe, just maybe, I don’t deserve a laptop right now.

Stumble it!