Santa knows when you’ve been good or bad.
He also knows if you’re a good or bad credit risk.
Credit rating agencies constantly ask Santa for assessments.
Because it’s easy to fool the credit rating agencies.
Or fill their records with all kinds of false reports.
But, try as you might, you can’t fool Santa.
Leaving milk and cookies on the mantel is one way to get your credit score up.
And sending a thank you note after Christmas will net you a few points.
As for sexual favors, well, the naughtier, the better your chances for a Gold card.