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William Manchee

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The House of Stones
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I Wish I'd Had Bad Credit
by William Manchee
Rated "G" by the Author.
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Many people get sucked into a lifetime of financial missery because their credit is so good and lenders just keep loaning them money until they are over their head. That's when they come to see me for a bankruptcy.


I Wish I’d Had Bad Credit

You gotta have good credit
Or so my mama, said
Pay your bills on time
And life will be sublime

With good credit you can buy
A house, a car, a diamond ring
Get them now, no money down
Then celebrate all over town

Being an obedient child
I took my mama’s advice
And bought all those things
In fact, I got two diamond rings

Then my brother’s business stumbled
Hey sis, you’ve got such good credit,
Would you please, please co-sign my loan?
Ohhh, I cringed, stifling a mournful groan.

My banker said no problem,
Your credit is so good
We’ll give your brother his credit line
Right here is where you sign.

Now the economy has crumbled
By brother’s fled, his business failed
So, guess who makes his payment now?
"Little me," I say bitterly and bow

But, since I have good credit
I can still borrow to make ends meet
And credit cards are so easy to acquire
I can get as many as I desire

This works quite nicely for awhile
I borrow from Visa to pay the bank
But then my credit score begins to sink
Wth so much debt, I’m no longer in the pink

I’ve got a job, my husband works
But now our cash flow sucks
We have to cut our lifestyle back
My husband gives me lots of flack

We argue now all the time
How did you get us so far in debt?
It was just so easy to borrow
Buy today and pay tomorrow

 I guess it’s bankruptcy court for us
There’s really no other way out
And once our debts are forgiven
Perhaps we can get back to livin’

‘Cause we don’t need good credit
We’ll buy only what we can afford
Believe me, good credit is deadly trap
If anyone says different, they’re full of crap!

Manchee & Manchee PC
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Reviewed by Ronald Hull
Good credit is a trap if you use all the fancy offers thrown at you and are unable to pay off loans that come due early or change the rules.

Ron
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