Flame

And especially when you start talking about what color of the car that you had.

Does this person have veterinary insurance?

What was the tag number of the car that you had?

Did this person have fishing license?

Did this person have a ticket?

And what county in...

Such and such, is there a ticket?

It says all of this on these consumer reporting agencies.

But me working at that debt collection agency, I seen all of this stuff and I seen the way that they retrieved this information.

So that got my head to wondering.

My head was wondering because it was saying to myself that this person's got a $40,000 credit card, a $60,000 credit card.

How did they get it?

Then I'm able to look at a credit report not really understanding credit.

I don't really understand credit, Matt.

But what I do see is that this person here has two identifiers.

One identifier that I'm going to talk about is one is when you start talking about somebody that has bad credit.

Then there's another one where somebody has life credit.

Those are two different ones.

Bad credit is where I paid my Macy's bill, right?

But I didn't pay my city card, right?