Bad Credit was a comedy hip hop duo based out of San Diego, California which lasted from 2002 to 2008, fronted by musicians and comedians Matthew Gorney (Optimus Rime) and Dallas McLaughlin (Dr. Cliff Mixtable).

[1][2] The group was also known for similarly themed stage antics, such as keeping a paper shredder onstage in which supposed unpaid bills would be shredded and thrown about as confetti.

[3] Bad Credit first performed as part of an open mic night at the Blarney Stone Pub in Clairemont, San Diego, where they proved popular enough to be invited back for regular weekly gigs and eventually attracted the attention of Fluf frontman Otis "O" Barthoulameu, who solidified the band's line-up and booking schedule.

[3] While Gorney and McLaughlin remained Bad Credit's two constant frontmen, the group performed with a rotating backing band of guitar, bass and drums (including Jake Najor), at various points featuring members of such local San Diego bands as Reeve Oliver and The Incredible Moses Leroy, all performing under humorous stage names including Methodist Man, EZ E-Literate, Q-Pon, Dolla Bill, Mr. Mapoji and Foot, among others.

[3][6] During the mid-2000s, Bad Credit struck up a lucrative touring partnership with the Orange County comedy rock band The Aquabats, performing at many of their Southern Californian concerts.