Bad Credit was a comedy hip hop duo based out of San Diego, California which lasted from 2002 to 2008, fronted by musicians and comedians Matthew Gorney (Optimus Rime) and Dallas McLaughlin (Dr. Cliff Mixtable). Self-described as \"financial hip hop\", Bad Credit was a parody of the opulent \"bling-bling\" lifestyle portrayed by popular rap groups, subverting those themes into songs based on Wall Street Journal articles and financial responsibility, exemplified by such titles as \"Balance Your Checkbook\". The group was also known for similarly-themed stage antics, such as keeping a paper shredder onstage in which supposed unpaid bills would be shredded and thrown about as confetti.
During the mid-2000s, Bad Credit struck up a lucrative touring partnership with the Orange County comedy rock band The Aquabats, performing at many of their Southern Californian concerts. Bad Credit's music was also regularly featured alongside The Aquabats on the sketch comedy program Mega64. Following Bad Credit's disbandment in 2008, Gorney and McLaughlin were both involved as writers on Yo Gabba Gabba! & The Aquabats! Super Show!, where Gorney also contributed significantly to the series' composing and original songs. As of 2015, Gorney has been seen as bass guitarist for former My Chemical Romance singer Gerard Way's solo band and recording on his 2014 debut Hesitant Alien, while McLaughlin has pursued a career in comedy writing and stand-up comedy.
01. B-A-D-C-R-E-D-I-T (0:00)
02. U Luv' It But U Dis' It (2:52)
03. Financial Intro (5:30)
04. Financial Frustration (5:55)
05. What's That? (8:53)
06. Who Left the Lights On in the White House? (12:01)
07. Bill Gates Intro (15:31)
08. Bill Gates (He Owes Me Five Bucks) (17:21)
09. It's a Little Hot and It's a Little Fresh (19:40)
