Though the famous superhero, the Human Torch, has saved the world several times while working with his highly acclaimed team, the Fantastic Four, it seems that his credit rating has slipped away from him.
"I just thought this sort of thing would be overlooked," Torch says, "considering how many times I've stuck my neck out there for the world!"
In the end we find that regardless of one's profession, plumber or superhero, you can never escape bad credit.
Stay in school, kids.