I can just imagine the scene... *harp sound*
The year is 2015. You and your wife are smiling as you sign the mortgage papers. The loan officer shakes your hand, hands you a bottle of champagne, and says, "Congratulations! You're now a homeowner!"
But wait... his smile suddenly drops as he notices a single line on a piece of paper on his desk. "Hold on a minute, I may have missed something on your credit report," he says tentatively, his brow furrowing... "Did you make a $50 purchase back in 2008 using a service called 'Bill Me Later'?"
"Yes, but I paid that bill years ago," you stammer.
"Oh, I'm truly sorry, but there's been a terrible mistake. We can't accept any borrowers who have used Bill Me Later. It's against our policy."
"But... I've never been late on a bill! I've kept ahead on my student loans and never carried a balance on my credit cards. How can this happen?"
"Sorry, that's just the way it is. This transaction will be a permanent stain on your credit rating for all time. There is no escape. You will never own a home." *yanks back champagne bottle*
Seriously, great post
GLOCKGLOCK.