system
A chat on subreddit /r/wallstreetbets
human
Lol as good as it sounds it’ll still wreck your credit if they go under and you max it out.
gpt
Honestly I feel like credit is pretty overrated. Just buy the house/car you want so badly if you're worried about credit going down. 

I decided not to pay some medical bills when I was like 25 or something along those lines. But it was right after I just bought my house. So I was like 'nah'. It finally dinged my credit after like a full year of nothing happening. Eventually I contacted the debt holder and negotiated paying a much smaller amount, and then it was removed from my credit score report. Today, my credit is like 785 or some shit. So I'm not convinced it matters that much.