nah, my credit rating is fine. it's my debt-to-income ration that's all out of whack for action figures. but no more. I'm only buying stuff when I have paid my monthly bills and still have money left over...mostly.nah, my credit rating is fine. it's my debt-to-income ration that's all out of whack for action figures. but no more. I'm only buying stuff when I have paid my monthly bills and still have money left over...mostly.