Bill-Collector Confidential
, Chapter 6

  Coping with the Credit Bureau

Passivity puts the average consumer on the victim side of the insidious credit-reporting surveillance system, but debtsmanship invites you to take control and to be the master of your fate. You can repair your credit aggressively by suing under federal acts that nobody tells you about, and how to sue is shown below. You can also tune in and drop out.

political debtsmanship
Author George invites you to pause here to consider a transcendent debtsmanship in which you drop out of the system entirely as a philosophic and political act. George has experimented with credit, but, since he wrote the original edition of this work thirty years ago, he no longer carries credit cards or seeks credit or loans of any kind.

Author George has no idea what his credit score is, and does not want to know. Is one's credit rating really so sacrosanct, he asks, or has a gullible population been brain-washed into that religion? Do you really want a religion of trepidation to govern your life and that of your fellow man?

genocidal tool
It is Orwellian. It is scary. The credit report has become a fundamental behavior-control tool like never before. Thanks to the computer, the system has become omniscient, and what the credit bureau "knows" is The Truth, true or not. And now there is that point score and its sacred religious status in the brainwashed, intimidated public mind. You may think that when you graduate from school that you have grown out of the report card and have left behind all parental surveillance, but a numerical grading of your citizenship, down to the point, now follows you to the grave.

Here is the ultimate ominous scenario, where author George thinks all this big-brother credit-reporting surveillance could be going: Martial law is declared in the USA, based on some contrived emergency. Overnight military checkpoints are set up everywhere. (Remember Manhattan on 911 and New Orleans in that military eviction-action called Katrina.) Bound for work you are stopped by concrete barriers at the freeway ramp and approached by men in black uniforms and jackboots. At all of the checkpoints that you must pass through to board a plane, a train, a bus, to walk down the street, or to enter the freeway ramp, you must present your RF-identity-encoded papers, or the chip embedded in your palm, or you are iris-scanned. Everyone is suspect until cleared. At the freeway checkpoint, your identity confirmed, the checkpoint's computer now goes to work pulling up your record.

As you wait there shaking and sweating, you wonder about those sporadic bursts of automatic weapons fire that you hear coming from just over the nearby hill.

Fair Isaac decides.
The check-point's computer's first stop (even before Google or the national police data bases) is at Fair Isaac. On the basis of the FICO score that pops up, you are routed accordingly. The "good people" with scores over 700
are permitted to go on their way down the highway to the next checkpoint. More marginal citizens with scores between 500 and 600 may be detained for deeper data-mining or for some face-to-face interrogation (which, in the interest of efficiency in this national-security emergency, includes certain federally approved coercive techniques).

But if you have a score of 500 and below, you get classified with the “bad guys,” and there is no hesitation. Promptly you get hand-cuffed, hooded, and conducted at gunpoint over the hill to the firing squad.

This is the new the super-efficient genocide, enforcing submission and conformity to the citizenship standards of the new order. In the new meritocracy, computers screen the population by credit rating, rather than by race or ethnicity, as in the crude old-style ethnic-cleansing genocides of the past (like the Holocaust one for example, which, by the way, did employ IBM computing systems that used key-punch cards.) It can be argued that the computerized genocide is already here, is routine, and is an on-going process, for a good credit score has become a prerequisite for your getting housing in the new society, and cannot homelessness be a warrant for a slow death?

As a drop-out from the system, author George thinks it pathetic that so many submit to living fearfully in the shadow of their hallowed credit ratings. The system is there to keep you scared. Do you really hold in respect this totalitarian intelligence system, this economic CIA, that keeps you dancing to the drum of rule? Yes, “the drum of rule,” for credit-reporting agencies may have more to do with orthocratic control than with business expediency, insists author George, who is writing Orthocracy Speaks, A Layman's Guide to the Ruling System (posted at his Teslapress).

When you think about it, do you really support such a system? The credit reporting institutions have such power because submissive consumers have given credibility to them. Advanced debtsmanship inspires a mind-set in which you can turn your back on the whole system, in the interest of sanity, in the interest of freedom for you and your fellow man, and as a political and philosophical statement.

Monitor your credit file.
If you insist on playing the credit game, you should do so defensively, and that means taking on the drudgery of continuously monitoring your credit report. Your precious score could collapse overnight because a credit card's default clause clicked in while you slept ...