Even more pathetic (imo), he claims he paid that off with the filthy dirty money he made initially from Machinima. He has since (again, according to him, so massive grain of salt) undone all of that by buying the WA Kahndo, taking out at least a couple of "business loans", and using credit cards with abandon. And if all the mess about him not making payments (or doing it intermittently) is true, his credit score is probably pretty shit. Two big knocks you can have are missing payments (ones that get reported anyway) and having a high debt ratio (defined as current debt, not including some types like mortgages, divided by your total available credit).