Credit scores ought to be relatively simple. That is unless these credit agencies have listed that you are dead, that you’re splurging on crap in Utah, or, god forbid, your name is Judy Thomas.

John Oliver used his weekly investigative segment to check out credit reporting agencies and just how much they can fuck up, which in turn fucks up a person’s entire life. We’re all in danger. (Unless you are Neil Patrick Harris reading this, in which case, you’re fine and also hello.)