OOC:
You should have a Credit Rating between 9 and 30. Must have gotten lost in the mix somehow... it comes out of your Professional Skill pool, so what you should do is re-distribute 9 to 30 points from among Art/Craft (photography), Disguise, Law, Library Use, Charm, Fast Talk, Intimidate, Persuade, Psychology, and/or Spot Hidden to Credit Rating.
Does that make sense?