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Rating:Bad Credit was a comedy hip hop duo based out of San Diego, California which lasted from 2002 to 2008, fronted by musicians and comedians Matthew Gorney and Dallas McLaughlin. Self-described as "financial hip hop", Bad Credit was a parody of the opulent "bling-bling" lifestyle portrayed by popular rap groups, subverting those themes into songs based on ''Wall Street Journal'' articles and financial responsibility, exemplified by such titles as "Balance Your Checkbook". The group was also known for similarly-themed stage antics, such as keeping a paper shredder onstage in which supposed unpaid bills would be shredded and thrown about as confetti. Bad Credit was spontaneously conceived one night by friends Gorney and McLaughlin when the former thought up the song title "Bill Gates Owes Me Five Bucks" and, both playing off the idea, developed the foundations of Bad Credit's gimmickry. Bad Credit first performed as part of an open mic night at the Blarney Stone Pub in Clairemont, San Diego, where they proved popular enough to be invited back for regular weekly gigs and eventually attracted the attention of Fluf frontman Otis "O" Barthoulameu, who solidified the band's line-up and booking schedule. While Gorney and McLaughlin remained Bad Credit's two constant frontmen, the group performed with a rotating backing band of guitar, bass and drums, at various points..
read more:''This article deals with the general concept of the term credit history. For detailed information about the same topic in the United States, see Credit score in the United States.'' A credit history is a record of a borrower's responsible repayment of debts. A credit report is a record of the borrower's credit history from a number of sources, including banks, credit card companies, collection agencies, and governments.
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