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Well, freeipod.com worked. =P
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That was a pyramid scheme; those are different beasts entirely.
The thing about credit that strikes me as funniest is that signing up for those financial responsibility classes that teach you how better to manage your funds sends your credit rating straight into the toilet. Even though you're taking active steps to make yourself handle your money better, credit companies take that as a massive red flag.
My solution is to never touch the things. I have a debit card through my bank, and that's all I need. If I can't afford it, I don't really need it.
Jam it back in, in the dark.
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Monkey King