A credit check is a thing to fear, particularly if you're drowning in debt or have a collections notation for a $17 bill you missed when you moved apartments. But it turns out a credit report can be even more detrimental than you thought—John Oliver dug into the litany of nightmarish mistakes a credit record can make, including confusing your identity with someone else's, screwing up your criminal report, and, well, considering you dead. See below for a smackdown, complete with a seemingly homophobic commercial for a credit reporting company:

Not that you need it to be more difficult to rent or buy an apartment in this town, but according to Oliver, 25 percent of credit reports contain mistakes, and 1 in 20 are a straight-up horror story. This is nothing new, but it's worth getting a reminder before you, say, apply for a loan or go on a date. The good news is, the city banned employers from checking job applicants' credit reports last year.

The three main credit reporting companies are Equifax, Experian, and TransUnion, but Oliver made some better ones.