The television set was on in the living room when I walked in through the front door. This was a little weird because I live alone. I figured my dog probably stepped on the remote control and turned the television on. Oh well weirder stuff has happened to me in the past. Since the television was on I sat down on my sofa. I noticed there was a commercial on television talking about Car Credit and how anybody can buy a car on credit these days. This got me to think about some of the credit problems that I have had in the past.