Aw, go easy on him, he's not so bad haha
I hate those commercials though, mostly because my ex had bad credit, and over the course of our relationship - mine ended up going down the crapper.
And of course the guy I'm dating now has GREAT credit... those commercials (and the fact that I want a house someday) are what got me started on my repair journey lol. I didn't want to be the girl he's singing about!