Imagine you are driving buy a big car sales superstore, every one has at least one by them. So you are driving by, and you have this jalopy that you were given when you were sixteen by your grandmother. You are now 24. The car is rusting out, there are a few unknown rattles that are coming from under the hood. The car is blowing so much smoke out from the tailpipe, you can hardly see that eighteen wheeler behind you. You look to your left and you see this ten by ten dot matrix screen that you can see from the moon displaying, "NO CREDIT, NO PROBLEMS!" or, "Bankruptcy, bad credit, you're still approved!.