(guy who was in debt):

Now and then I think of when I had no money
I had not a penny, nickel, or a dime
Told myself I would do right by me
Find a debt reduction company
Went on the web to become a member

You get addicted to penny-pinching kinds of savings
Trying to make means to an end, always an end
So when I found I could not make rent
I knew I would need new friends
I admit I was glad I found a website

So I got a free credit score
My debt like it never happened and it was nothing
I thought I'd still have it rough
But I looked in my wallet and now I have so much
My score used to be so low
But they collected my records and improved my number
Guess I no longer owe
Now it's just some money that I used to owe

Now it's just some money that I used to owe
Now it's just some money that I used to owe

(free credit rep):

I remember when you called our number
Made me know something had to be done
I knew you didn't want to pay
Each and every single day
We said your debt you can go
I wouldn't let you hang up on some money that you used to owe

(man in debt):

So I got a free credit score
My debt like it never happened and it was nothing
I thought I'd still have it rough
But I looked in my wallet and now I have so much
My score used to be so low
But they collected my records and improved my number
Guess I no longer owe
Now it's just some money that I used to owe

Some money
(I used to owe)
Some money
(Now it's just some money that I used to owe)

(I used to owe)
(That I used to owe)
(I used to owe)
Some money