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The system
The financial system's full faith and credit relies on one's being endoctrined to honor one's alleged obligations. I, too, had prestine credit rating until criminal politicians kept turning well paid industries into third world equivalent service sector jobs and an untimely accident, which led me to discover the fraudulent nature of all alleged credit transactions, when I was researching a means to straighten out my financials. One has no moral obligation to perform, when the alleged transaction has been breached from the get go, by the other party.
Furthermore, you must know of the difficulties some have had removing inaccurate information from their credit history not to mention the ever growing number of mistaken reportings. It's sort of like that famous corporate mantra "so sue me" knowing full well the court system's policy of protecting the national bankruptcy. Additionally, the corporations may freely duck their obligations via the nature of their "legal" stucture, while ravaging loyal working people's pensions and life savings.
You mention your father's auto dealership, so you should know of what I speak. I think the general public's regard for that business' moral character follows closely behind that of the attorners. A perfect example being that with A+ credit a dealership shopped me a loan 2% points higher than what the bank would have charged me directly, by the credit manager telling me the dealership gets better rates because of their volume business.
But, I'll give you the benefit of doubt and not rush to judgment labeling your father's business' guilt by association.
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