Dallas McLaughlin

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).

Self-described as "financial hip hop", Bad Credit was a parody of the opulent "bling-bling" lifestyle portrayed by popular rap groups, subverting those themes into songs based on Wall Street Journal articles and financial responsibility, exemplified by such titles as "Balance Your Checkbook". 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.