The tractor (technically some sort of 'harvester') had cost around $700k. The farmer had stopped paying (probably went bankrupt) and still owed $180k. I was a

The tractor (technically some sort of 'harvester') had cost around $700k. The farmer had stopped paying (probably went bankrupt) and still owed $180k. I was a 19yo, freshly back to the US from Germany (I had been there since I was 11) and suddenly found I was unable to obtain any sort of credit (like getting a phone, electricity, an apartment etc.) Everyone involved could easily see what happened. And no one could fix it.