You hold your wallet close as you start to walk through the muck.
You've heard the legends about this cursed place. People wander in with good credit. Hours later, they just barely manage to make their way out with hundreds of points off that score, if they even have a score left at all.
It's unclear why exactly that is.
Up ahead, you see a raven on the limb of a rotting tree branch. It has a sinister glint in its eye.
You jump as it opens its beak and begins to talk in a creepy, high-pitched voice.
"You must know that this is a dangerous place for your credit rating. You should give me your credit cards for safekeeping."