1
A stupid way to explain how your credit score goes up when you don't screw up your payments. Usually involves a ladder drawing and people who look like they just woke up from a bar fight.
'So the ladder... it goes up... when you pay... like... not drunk...?'
The manager drew a ladder on a napkin and said, 'This is your credit.'
Customer: 'Is the ladder made of money?' Manager: 'No. It’s made of confusion.'