The FreeCreditReport.com Commercials piss me off....

I'm getting annoyed at these Freecreditreport.com commercials. They're ridiculous and make no sense.

Take for instance, the commercial in which a teenager isn't able to buy a car because of credit issues, and settles on a dilapidated hatchback. If that's all the cash he had on hand, then its a damn good thing he didn't take out a loan anyway.

Then there's the commercial where a guy is forced to work as a bar entertainer/guitarist (?) because of poor credit. Having good credit does not increase your cash flow, nor preclude you from a good paying job - it's just a mechanism which enables you to overextending yourself. This commercial insinuates that its healthy to wontonly take out loans to fulfill an extravagant lifestyle, and that without credit somehow you are poorer.....?????

And then, the one that pisses me off the most - the one in which the lead character sings about marrying his 'dream girl.' Essentially, he claims that because his now wife's credit was bad they could not get a loan on a house or otherwise and was forced to live in the basement of her parent's house. And the kicker is that he says that if he had known - he would have rather remained single. This argument does not hold water - what about your own credit, jackass? You must of f-ed up too!

Essentially, what these commercials portray is that sad state of society - the excessive overextension of credit and American's inability to survive without it. I don't know about you, but I right now have 0 debt - no student loans, no car payment. That's my cash management strategy.