Credit Score Fear is Big Money!


He Who Can Afford To Advertise In The World Series

Oil, Insurance, Mortgages, Credit Scores and Fear

Caution, there’s no legal advice here, just the ramblings of one very ticked-off consumer with an unknown credit score. 

So yes, I was lucky enough to get tickets to the 2013 World Series.  My 11-time world champions were up against a bearded team from Boston, the name of which I am still unable to spit out due to the devastating loss they delivered upon my beloved Cardinals.  The game I attended though, was a great battle victory in a war that was ultimately lost in a Beantown game six.

Big Money Advertising Credit Score

As I rooted the Redbirds, cheered for every swing, and chanted at every opportunity, I was camera crazy.  On this particular game, I was with my 7-year-old son, and it was because of our great “fan-ship”, that the Cards won; ok, maybe that’s over-doing it a bit, but fun was had.  I am thankful they won that game because at the price of those tickets, it would have been a real downer to pay that much and witness a loss, so thanks for not disappointing Cards.

Amid the hundreds of photo’s taken, I came across this one several nights later, as I was reveling in that great victory.  I couldn’t help to notice all the advertising in the outfield.  I’m in business, and at times, I do some quasi-marketing, heck, this very website blog is one form of such, only this one is relatively free.  “How much would it cost” I questioned, “to advertise at a World Series game in St. Louis”?  Far more than I could imagine, I’m sure.  To lay down those “benjamins”, it would take a multi-national conglomerate, a mega-company, maybe Microsoft if you will, big oil, banking, maybe even diet soft drinks or beer.

And so this brings me to the point, apparently, it does take big oil, banking, and insurance (which of course is the same as banking) to finance world series media marketing mayhem (see picture for reference).  It can also take what some have termed “profitable fear”, …..  “Now playing right field, Free Credit Score Dot Com!”

No, this isn’t a manifesto against Free Credit Score Dot Com (and it should be), and no, it’s not really about the St. Louis Cardinals losing to a bunch of bearded bums, it’s really about what it takes to pull off such an advertising feat.  It’s about selling fear of an arbitrary opinion to millions of people who would be better off checking their blood pressure.  Hey, there’s big money in falsely inflated fear, apparently very big money, just ask Gulf, State Farm, and Wells Fargo.

Let’s lay it on the line here, Free Credit Score dot com is NOT free (let the lawsuit against me begin), and no, constant checking on your credit score is not helpful, it is however profitable.  A wise man once said a credit score is an indication of how good you are for a bank to make money from; a high credit score means you are great for bank revenues, a lower credit score means you’re not as useful to the bank, now there’s a new perspective hey?  In my Bankruptcy practice here in Missouri, the concept of ruining one’s credit score is probably the single biggest aspect that prevents people from taking advantage of the federal protections afforded, the single biggest driven myth scaring people away from help and the single biggest falsehood that the credit industry headlocks the American public with.  Yes, I hate this concept, the idea that a “credit score” is somehow related to moral value or self-worth, how you’re less of a person if a “bureau” says so.  This is why I encourage everyone to learn more about what a credit score is, and what it is not when it is important, and when it is not, how it is a fluid and malleable being, far less important than health, family, marriage, religion, and happiness.  It is, after all, just an opinion.  Put it in its rightful place.

“It’s a damn shame more people know their credit score than their cholesterol level!”  And you know that’s true on both accounts.

Want to check your credit score, click here.


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