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That's fine with me. We can then let that "debt" linger until it is bought up by some company willing to settle for pennies on the dollar

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Meanwhile, you can’t get a mortgage or a car loan because your SiriusXM bill remains unpaid because you “fixed the glitch.”

Sure, caveats are always included, but if you don't need a mortgage or a car loan, fuck 'em.

Not just a mortgage or car loan. Credit checks[1] are being used by landlords to decide whether or not to allow you to rent. They are being used by employers to decide whether or not to hire you. They are being used by utility companies and insurance companies to decide whether or not to do business with you.

It's slowly getting to the point where a low credit score will bar you from participating in major areas of the economy.

1: https://www.experian.com/blogs/ask-experian/what-is-credit-c...

21st century debtor's prison. No walls, chains or guards required!

Then it ruins your credit, and technically the three bureaus disallow "pay for delete" agreements between consumers and debt collectors which would get it off of your report entirely (some still do it).

One outstanding charge won't tank your score.

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