One of my tires 19" Dimaras has a slow leak from a patch that was put in too close to the sidewall (as a favor to me - otherwise I would have been stuck). After about 4 months that leak is starting to become troublesome. So I went to Sears today to get new tires.

$1500+ for 4 new boots.

OK, I can deal with that. Here is the rub...

Before completing the purchase, I was told that Sears would place that purchase on a 6 month same as cash plan if I like.

Thinking that since I will be traveling, it would be nice to just wait until I get home to make the payments I opted to do so. But after calling in the application I was told Sears would only grant $350. in credit. After nosing around I have come to learn that this is because I have a low fico score.

I have a low fico score because I really have no need to use credit anymore. However, my credit records show all the payoffs of revolving credit, 6 car loans, and 2 houses that I have paid off over the years.

But because Sears (like almost all other lazy entities these days) just looks at a raw fico number instead of doing a real credit analysis they do not see the great credit experience I have. Just the lone number that continues to shrink because I DON'T USE CREDIT ANYMORE.

So, not only is Sears potentially going to lose a sale for no good reason, now I must also start using credit again although I have no need.

If not them I could potentially (1) not get a job, (2) not be able to get my next house, (3) get higher insurance rates, etc...

The lazy people/corporations of this country are their own worst enemies - and mine.

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2006 X5 Sport 4.4i