Not exact matches
Perhaps the fact that manga has a younger audience than American comics, which has always been considered a strength, is now a weakness:
older collectors have money and
like to spend it (and in fact, art - house manga publishers
like Vertical and Drawn & Quarterly have weathered the storm better than most), but many teenagers don't have
credit cards or paypal
accounts to pay for things online, and for really young kids, free - to - play is what they know.
The
credit companies
like Experian and Equifax only report what's given to them, so it's easy for them to add new
accounts but they won't remove anything unless you ask (which is why you can see
old closed
credit card, student loans, etc on your
credit report).
Running small balances on
older accounts like your
credit card accounts can add points to your
credit score.
Other debt management programs,
like credit counseling and debt consolidation may have a lesser impact on your
credit score depending on how much you owe and whether or not you're able to leave
old credit card accounts open after paying them off.