Fuck the American capitalist system

So I got told by this financial advisor dude the other day that my credit score tanks. I thought, "Hm, that's funny". You see, Pushupyogi has lived quite a simple life. Not exactly frugal, but not stupid. No student loans, no car loans (thank you pushupsister), a credit card that gets paid of every month...

So I make a few calls, and find out that there's a debt collection agency is still awaiting payments from me. Images of Vinny with his cheap (but thick) gold bracelet and his baseball bat fill my brain immediately, but I push these away, and try to figure out how the hell this happened. More calls later I find that it's because of unpaid electricity bills from a house that I lived in more than a year ago. Even more calls confirm that I had a bill, but I had already paid it. But there was some miscommunication - and remember I NEVER got an email/snail mail from these guys, and so I was cruising along, except that the collection agency had this file open AND NEVER TOLD ME. So my credit rating gets screwed for a grand total of 80 bucks owed (actually 80 bucks NOT owed), and I find this out just by chance.

And then when I ask how this little thing could have made such a big difference, I get told by my advisor that it was because I "didn't have enough of a credit history." He then suggested that I go get a second credit card, and then maybe have a little bit of a balance on it, to get a good credit score.

I mean, WHAT. THE. FUCK. So what he was telling me is that I needed a second credit card that I didn't really need, and then I should go ahead and run up a debt on that card, essentially borrowing money that I couldn't/wouldn't repay at the end of the month, AND THIS WOULD HELP MY CREDIT SCORE???

No wonder we're so screwed. you people have a system that's just plain messed up. Sorry, but that's the truth. it's just fucked up.