The credit system is profitable for creditors, lenders, and shareholders. The shareholder and creditor asr the new slave owner's they leg in your life with cerificates signed by you for 3 years, 5 years, 15 years, 30 years or better. The APR and other hidden fees lock in the cerificate/contract benefit them greatly. It is a system that is controlled and fixed. I'LL FIX MY FICO SCORE and save my future is a credit score plan/ debt relief made easy.