By Makin (lyrics, vocaloid) and Tensei tenseimusic Bandcamp tensei-1 SoundCloud YouTube YouTube (mixing).
Cover art by Makin.
Released 3/10/2017.
Duration: 3:38.

Listen on Bandcamp or YouTube.

Read artist commentary.

Also released as:

• (20177/20/2017; about 4 months, 10 days later) Bad Credit (Greatest Hits 2)

Tracks that Bad Credit references:

• Bad Apple!! feat. nomico by Touhou Project and Masayoshi Minoshima

Tracks that Bad Credit samples:

• Bad Apple!! feat. nomico by Touhou Project and Masayoshi Minoshima
• Bowman's Credit Score by Michael Guy Bowman

Lyrics:

(THE PLACE WAS GENSOKYO, THE YEAR WAS 19720)

I'm thinking of a number that is between my buttocks
And that number's not between 450 and 850
With nothing but greed capturing my heart
Will no one just go reach inside, cast away my bad score

Missing and unfound, undefined fantastic score
Can't reach this debtful soul, my subterranean fruity pebble
Seven hundred twenty desires denied by
The embodiment of the demonic Stutzbow

Reptile masquerade from the one debts left unpaid
An impossible ball catch, one hundred percent delayed
An immaterial coat missing on this freezing soul
The imperishable rice challenging my sinful hopes
I must keep escaping far from this perfect blosssomed yard
Its phantasmagoric view of penumbral small white hounds
Scarlet rhapsody police, running rotten to the core
I won't let them or the Stutzbow destroy my credit score

Bumper to bumper I flee, from the brothers that believe
That my sinful soul can solve the pasta's antinomy
Through idioms japanese, untranslatable I feel
The Stutzbow will never stop, chasing me with endless glee
Meme numbers won't appear, not a miracle, just fright
As I near my final fate, my endless numeric night
Texas history forlorn, in limbo its long lost lore
In this realm never forgiven, not my bad credit score

I'm thinking of a number that is between my buttocks
And that number's not between 450 and 850
With nothing but greed capturing my heart
Will no one just go reach inside, cast away my bad score

Missing and unfound, undefined fantastic score
Can't reach this debtful soul, my subterranean fruity pebble
Seven hundred twenty desires denied by
the embodiment of the demonic Stutzbow

Reptile masquerade from the one debts left unpaid
An impossible ball catch, one hundred percent delayed
An immaterial coat missing on this freezing soul
The imperishable rice challenging my sinful hopes
I must keep escaping far from this perfect blosssomed yard
Its phantasmagoric view of penumbral small white hounds
Scarlet rhapsody police, running rotten to the core
I won't let them or the Stutzbow destroy my credit score

Life insurance I can't pay, or a good bed to hide in
Is there no place to run to, a safe haven for my sins
Desperation swallows me, I feel wholly unprepared
From the Bowman I can't flee, from the Stutzman mercy's rare
Soon the brothers will catch up, meat cubes rising in the night
Their goal easy to discern, start an unwinnable fight
My bad credit and my life, forfeit to their endless war
A war started with a thought, thinking of a credit score

Artist commentary:

Makin: (Composer)

An explanation of the lyrics' references to Stutzbow and Touhou lore:
I'm thinking of a number that is between my buttocks <- bowman's credit score
And that number's not between 450 and 850
With nothing but greed capturing my heart
Will no one just go reach inside, cast away my bad score

Missing and unfound, undefined fantastic score <- undefined fantastic object
Can't reach this debtful soul, my subterranean fruity pebble <- fruity pebbles jingle, subterranean animism
Seven hundred twenty desires denied by <- ten desires
The embodiment of the demonic Stutzbow <- embodiment of scarlet devil

Reptile masquerade from the one debts left unpaid <- chameleon, hopeless masquerade
An impossible ball catch, one hundred percent delayed <- bowman can't catch, 100%, impossible spell card
An immaterial coat missing on this freezing soul <- william henry harrison, immaterial and missing power
The imperishable rice challenging my sinful hopes <- rice challenge, imperishable night
I must keep escaping far from this perfect blosssomed yard <- perfect cherry blossom, backyard fun
Its phantasmagoric view of penumbral small white hounds <- radiation is now on youtube, phantasmagoria of flower view
Scarlet rhapsody police, running rotten to the core <- scarlet weather rhapsody, good cop red cop

I won't let them or the Stutzbow destroy my credit score

Bumper to bumper I flee, from the brothers that believe <- bumper to bumper
That my sinful soul can solve the pasta's antinomy <- antinomy of common flowers
Through idioms japanese, untranslatable I feel <- an apple disaster
The Stutzbow will never stop, chasing me with endless glee <- gamebro
Meme numbers won't appear, not a miracle, just fright <- MEME NUMBERS
As I near my final fate, my endless numeric night
Texas history forlorn, in limbo its long lost lore <- texas history, urban legend in limbo
In this realm never forgiven, not my bad credit score

[...]

Life insurance I can't pay, or a good bed to hide in <- in bed
Is there no place to run to, a safe haven for my sins
Desperation swallows me, I feel wholly unprepared
From the Bowman I can't flee, from the Stutzman mercy's rare
Soon the brothers will catch up, meat cubes rising in the night <- bumper to bumper
Their goal easy to discern, start an unwinnable fight
My bad credit and my life, forfeit to their endless war
A war started with a thought, thinking of a credit score