The Creditor: Difference between revisions
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<blockquote>''"All the land past the Evenlode is touched by the Creditor. And the closer territory, too, we have ways of visiting."''<ref>{{Citation|https://fallenlondon.wiki/wiki/Point_out_a_prop_the_Solicitor-Baroness_did_not_mention|Point out a prop the Solicitor-Baroness did not mention|Fallen London|}}</ref></blockquote> | <blockquote>''"All the land past the Evenlode is touched by the Creditor. And the closer territory, too, we have ways of visiting."''<ref>{{Citation|https://fallenlondon.wiki/wiki/Point_out_a_prop_the_Solicitor-Baroness_did_not_mention|Point out a prop the Solicitor-Baroness did not mention|Fallen London|}}</ref></blockquote> | ||
[[File:Evenlode.png|alt=An ancient building.|thumb|[[The Magistracy of the Evenlode]]]] | [[File:Evenlode.png|alt=An ancient building.|thumb|[[The Magistracy of the Evenlode]]]] | ||
The Creditor is an ancient, earthly entity who rules the [[Hinterlands]] between [[London]] and [[Hell]].<ref>{{Citation|https://fallenlondon.wiki/wiki/Point_out_a_prop_the_Solicitor-Baroness_did_not_mention|Point out a prop the Solicitor-Baroness did not mention|Fallen London|}} ''"All [...] land past [...] Evenlode is touched by the Creditor. And the closer territory, too [...]"''</ref><ref>{{Citation|https://fallenlondon.wiki/wiki/The_Way_West|The Way West|Fallen London|}} ''"The Creditor [...] lives. Between London and Hell"''</ref> It watches all travelers who pass through its realm;<ref name = "credit in">{{Citation|https://fallenlondon.wiki/wiki/In_Credit|In Credit|Fallen London|}} ''"[...] this Power will not [...] you to go further into the Neath, nor to change it more [...] unless some limit is attached [...] and some price paid for the imposition."''</ref><ref>{{Citation|https://fallenlondon.wiki/wiki/The_Nature_of_the_Debt|The Nature of the Debt|Fallen London|}} ''"A price charged for crossing a mountain pass, [...]"''</ref> | The Creditor is an ancient, earthly entity who rules the [[Hinterlands]] between [[London]] and [[Hell]].<ref>{{Citation|https://fallenlondon.wiki/wiki/Point_out_a_prop_the_Solicitor-Baroness_did_not_mention|Point out a prop the Solicitor-Baroness did not mention|Fallen London|}} ''"All [...] land past [...] Evenlode is touched by the Creditor. And the closer territory, too [...]"''</ref><ref>{{Citation|https://fallenlondon.wiki/wiki/The_Way_West|The Way West|Fallen London|}} ''"The Creditor [...] lives. Between London and Hell"''</ref> It watches all travelers who pass through its realm;<ref name = "credit in">{{Citation|https://fallenlondon.wiki/wiki/In_Credit|In Credit|Fallen London|}} ''"[...] this Power will not [...] you to go further into the Neath, nor to change it more [...] unless some limit is attached [...] and some price paid for the imposition."''</ref><ref>{{Citation|https://fallenlondon.wiki/wiki/The_Nature_of_the_Debt|The Nature of the Debt|Fallen London|}} ''"A price charged for crossing a mountain pass, [...]"''</ref> in the past, trespassers would be summoned to its court, the [[Magistracy of the Evenlode]].<ref>{{Citation|https://fallenlondon.wiki/wiki/Breathe_an_ancient_air|Breathe an ancient air|Fallen London|}} ''"[...] defendant [...] came before this Judge – summoned here if they tried to pass through these lands without leave."''</ref><ref>{{Citation|https://fallenlondon.wiki/wiki/The_Deeps_of_the_Magistracy|The Deeps of the Magistracy|Fallen London|}} ''"The Creditor used to live above," [...] "The Magistracy belonged to him; he [...] held his court [...]"''</ref> | ||
When brought to the Creditor's throne room,<ref>{{Citation|https://fallenlondon.wiki/wiki/The_Deeps_of_the_Magistracy|The Deeps of the Magistracy|Fallen London|}} ''"The Magistracy [...] he established his throne room and held his court [...]"''</ref> interlopers would have to agree to leave the Hinterlands unblemished. In addition to a verbal agreement, they were also required to pay a gage: collateral only returned if the deal was upheld.<ref>{{Citation|https://fallenlondon.wiki/wiki/Meaning_what,_precisely%3F|Meaning what, precisely?|Fallen London|}} ''""A gage is a pledge of good faith," [...] to be returned safe [...] if all ends well. [...] it was meant to represent the promise [...] prevent [...] from causing too much damage."''</ref><ref name = "credit in"/> This practice was standard<ref>{{Citation|https://fallenlondon.wiki/wiki/Ask_the_Baroness_why_she,_an_aristocrat_of_Hell,_performs_a_clerk%27s_duty|Ask the Baroness why she, an aristocrat of Hell, performs a clerk's duty|Fallen London|}} ''"[...] before the First City [...] when Hell first sought safe passage to the Zee. We arranged the route and made our payment [...]"''</ref> until after the [[Second City]], as the Creditor abandoned its court<ref>{{Citation|https://fallenlondon.wiki/wiki/The_Deeps_of_the_Magistracy|The Deeps of the Magistracy|Fallen London|}} ''"The Creditor used to live above," [...] "The Magistracy belonged to him; [...] But his court vanished, sometime after the Second City.""''</ref> and left only ruins behind.<ref>{{Citation|https://fallenlondon.wiki/wiki/Ask_how_she_learned_about_the_Creditor|Ask how she learned about the Creditor|Fallen London|}} ''"[...] the Creditor presided over judgements at the Evenlode. Its throne room is still down there."''</ref> | When brought to the Creditor's throne room,<ref>{{Citation|https://fallenlondon.wiki/wiki/The_Deeps_of_the_Magistracy|The Deeps of the Magistracy|Fallen London|}} ''"The Magistracy [...] he established his throne room and held his court [...]"''</ref> interlopers would have to agree to leave the Hinterlands unblemished. In addition to a verbal agreement, they were also required to pay a gage: collateral only returned if the deal was upheld.<ref>{{Citation|https://fallenlondon.wiki/wiki/Meaning_what,_precisely%3F|Meaning what, precisely?|Fallen London|}} ''""A gage is a pledge of good faith," [...] to be returned safe [...] if all ends well. [...] it was meant to represent the promise [...] prevent [...] from causing too much damage."''</ref><ref name = "credit in"/> This practice was standard<ref>{{Citation|https://fallenlondon.wiki/wiki/Ask_the_Baroness_why_she,_an_aristocrat_of_Hell,_performs_a_clerk%27s_duty|Ask the Baroness why she, an aristocrat of Hell, performs a clerk's duty|Fallen London|}} ''"[...] before the First City [...] when Hell first sought safe passage to the Zee. We arranged the route and made our payment [...]"''</ref> until after the [[Second City]], as the Creditor abandoned its court<ref>{{Citation|https://fallenlondon.wiki/wiki/The_Deeps_of_the_Magistracy|The Deeps of the Magistracy|Fallen London|}} ''"The Creditor used to live above," [...] "The Magistracy belonged to him; [...] But his court vanished, sometime after the Second City.""''</ref> and left only ruins behind.<ref>{{Citation|https://fallenlondon.wiki/wiki/Ask_how_she_learned_about_the_Creditor|Ask how she learned about the Creditor|Fallen London|}} ''"[...] the Creditor presided over judgements at the Evenlode. Its throne room is still down there."''</ref> | ||
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<blockquote>''"It takes from the folds of its robe a mirrorcatch box, and without explanation or ceremony, shines pure sunlight on the Creditorial stone. What comes back is not sunlight. For the briefest moment, everyone in the room appears other than human, their bodies boulders and trees and false-stars, and then the image fades."''<ref>{{Citation|https://fallenlondon.wiki/wiki/Discover_its_age_and_its_kinship_to_stars|Discover its age and its kinship to stars|Fallen London|}}</ref></blockquote> | <blockquote>''"It takes from the folds of its robe a mirrorcatch box, and without explanation or ceremony, shines pure sunlight on the Creditorial stone. What comes back is not sunlight. For the briefest moment, everyone in the room appears other than human, their bodies boulders and trees and false-stars, and then the image fades."''<ref>{{Citation|https://fallenlondon.wiki/wiki/Discover_its_age_and_its_kinship_to_stars|Discover its age and its kinship to stars|Fallen London|}}</ref></blockquote> | ||
[[File:Hillchanger.png|alt=A stone spire with windows.|thumb|[[Hillchanger Tower]]]] | [[File:Hillchanger.png|alt=A stone spire with windows.|thumb|[[Hillchanger Tower]]]] | ||
The Creditor is a being of living earth,<ref>{{Citation|https://fallenlondon.wiki/wiki/Ask_it_about_the_Hillchanger_Tower_(Furnace_Abandoned)|Ask it about the Hillchanger Tower (Furnace Abandoned)|Fallen London|}} ''""Not every patch of ground is asleep," [...] That Creditor is elusive, but it is an earth power [...]"''</ref> and the topsoil of the [[Hinterlands]] is its "face."<ref>{{Citation|https://fallenlondon.wiki/wiki/Take_your_time_and_go_observantly|Take your time and go observantly|Fallen London|}} ''"Trespasser, you have laid your road across my face [...]"''</ref> It can move entire mountains to communicate gestures such as greetings,<ref>{{Citation|https://fallenlondon.wiki/wiki/The_Creditor%27s_Spouse_(Furnace)|The Creditor's Spouse (Furnace)|Fallen London|}} ''"[...] the Creditor knows [...] The hills draw up [...] in cautious greeting."''</ref> and can unleash powerful earthquakes.<ref>{{Citation|https://fallenlondon.wiki/wiki/Clear_the_gant_away|Clear the gant away|Fallen London|}} ''"The ground-trembling will be the Creditor [...]"''</ref> The Creditor has a multifaceted identity; [[Hillchanger Tower]] is one such aspect.<ref>{{Citation|https://fallenlondon.wiki/wiki/Beg_her_pardon|Beg her pardon|Fallen London|}} ''"And Hillchanger, [...] is part of the Creditor's substance." [...] she explains [...] questions of identity and divisible bodies, [...]"''</ref> The Creditor can view the world using | The Creditor is a being of living earth,<ref>{{Citation|https://fallenlondon.wiki/wiki/Ask_it_about_the_Hillchanger_Tower_(Furnace_Abandoned)|Ask it about the Hillchanger Tower (Furnace Abandoned)|Fallen London|}} ''""Not every patch of ground is asleep," [...] That Creditor is elusive, but it is an earth power [...]"''</ref> and the topsoil of the [[Hinterlands]] is its "face."<ref>{{Citation|https://fallenlondon.wiki/wiki/Take_your_time_and_go_observantly|Take your time and go observantly|Fallen London|}} ''"Trespasser, you have laid your road across my face [...]"''</ref> It can move entire mountains to communicate gestures such as greetings,<ref>{{Citation|https://fallenlondon.wiki/wiki/The_Creditor%27s_Spouse_(Furnace)|The Creditor's Spouse (Furnace)|Fallen London|}} ''"[...] the Creditor knows [...] The hills draw up [...] in cautious greeting."''</ref> and can unleash powerful earthquakes.<ref>{{Citation|https://fallenlondon.wiki/wiki/Clear_the_gant_away|Clear the gant away|Fallen London|}} ''"The ground-trembling will be the Creditor [...]"''</ref> The Creditor has a multifaceted identity; [[Hillchanger Tower]] is one such aspect.<ref>{{Citation|https://fallenlondon.wiki/wiki/Beg_her_pardon|Beg her pardon|Fallen London|}} ''"And Hillchanger, [...] is part of the Creditor's substance." [...] she explains [...] questions of identity and divisible bodies, [...]"''</ref> The Creditor can view the world using Hillchanger as a proxy,<ref>{{Citation|https://fallenlondon.wiki/wiki/Read_it_in_an_ancient_language|Read it in an ancient language|Fallen London|}} ''"We have stood on Aescwine and measured [...] the number of your statues [...] Hanging from the Neath-roof we have looked down into... [...] Veilgarden?"''</ref> though Hillchanger shows limited autonomy from its host.<ref>{{Citation|https://fallenlondon.wiki/wiki/The_Creditor%27s_Spouse_(Furnace)|The Creditor's Spouse (Furnace)|Fallen London|}} ''"The hills draw up [...] in cautious greeting. [...] the Hillchanger Tower knows no such restraint. [...] it is gone from your side."''</ref> | ||
The Creditor's "internal" flesh resembles the surface of its sibling, the [[Moon]].<ref>{{Citation|https://fallenlondon.wiki/wiki/Search_it_for_letters_of_fire|Search it for letters of fire|Fallen London|}} ''""Something [...] in the core of one's being and [...] far from the surface." This could mean [...] flesh cut from one's own organs, [...] "Substance shared with a [...] sibling." [...] surface of the stone is mottled and silver as [...] the moon."''</ref> This material reacts with moon-pearls,<ref>{{Citation|https://fallenlondon.wiki/wiki/Discover_its_age_and_its_kinship_to_stars|Discover its age and its kinship to stars|Fallen London|}} ''"[...] a handful of moon-pearls [...] roll gently towards the stone [...] shine as though the moon were full, although it is currently waning."''</ref> and can be consumed by others to communicate messages.<ref>{{Citation|https://fallenlondon.wiki/wiki/Study_its_likely_chemical_effects_on_the_Bazaar|Study its likely chemical effects on the Bazaar|Fallen London|}} ''"If the Bazaar were to consume this message, what would happen? [...] you [...] dab [...] the stone-dust to your tongue. [...] The impression is distant and languid."''</ref> It can also reflect [[sunlight]] to induce visions of a strange and shapeful world;<ref>{{Citation|https://fallenlondon.wiki/wiki/Discover_its_age_and_its_kinship_to_stars|Discover its age and its kinship to stars|Fallen London|}} ''"[...] shines pure sunlight on the Creditorial stone. [...] For the [...] moment, everyone in the room appears other than human, their bodies boulders and trees and false-stars, [...]"''</ref> this property is analogous to [[moonlight]].<ref>{{Citation|https://fallenlondon.wiki/wiki/Walk_in_moonlight|Walk in moonlight|Fallen London|}}</ref> | The Creditor's "internal" flesh resembles the surface of its sibling, the [[Moon]].<ref>{{Citation|https://fallenlondon.wiki/wiki/Search_it_for_letters_of_fire|Search it for letters of fire|Fallen London|}} ''""Something [...] in the core of one's being and [...] far from the surface." This could mean [...] flesh cut from one's own organs, [...] "Substance shared with a [...] sibling." [...] surface of the stone is mottled and silver as [...] the moon."''</ref> This material reacts with moon-pearls,<ref>{{Citation|https://fallenlondon.wiki/wiki/Discover_its_age_and_its_kinship_to_stars|Discover its age and its kinship to stars|Fallen London|}} ''"[...] a handful of moon-pearls [...] roll gently towards the stone [...] shine as though the moon were full, although it is currently waning."''</ref> and can be consumed by others to communicate messages.<ref>{{Citation|https://fallenlondon.wiki/wiki/Study_its_likely_chemical_effects_on_the_Bazaar|Study its likely chemical effects on the Bazaar|Fallen London|}} ''"If the Bazaar were to consume this message, what would happen? [...] you [...] dab [...] the stone-dust to your tongue. [...] The impression is distant and languid."''</ref> It can also reflect [[sunlight]] to induce visions of a strange and shapeful world;<ref>{{Citation|https://fallenlondon.wiki/wiki/Discover_its_age_and_its_kinship_to_stars|Discover its age and its kinship to stars|Fallen London|}} ''"[...] shines pure sunlight on the Creditorial stone. [...] For the [...] moment, everyone in the room appears other than human, their bodies boulders and trees and false-stars, [...]"''</ref> this property is analogous to [[moonlight]].<ref>{{Citation|https://fallenlondon.wiki/wiki/Walk_in_moonlight|Walk in moonlight|Fallen London|}}</ref> | ||
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Unfortunately, the [[Masters]] realized the Bazaar would not be able to pay without causing a cataclysm.<ref>{{Citation|https://fallenlondon.wiki/wiki/Ask_what_might_happen_if_the_Creditor_does_contact_the_Bazaar|Ask what might happen if the Creditor does contact the Bazaar|Fallen London|}} ''""The most likely outcome," [...] "is that the Bazaar would attempt to honour the debt [...] even if [...] damaging to London, or fatal to itself.""''</ref><ref>{{Citation|https://fallenlondon.wiki/wiki/The_Sleeper|The Sleeper|Fallen London|}} ''"The struggle to meet that pledge. The city almost sold [...]"''</ref> Furthermore, the Bazaar cannot risk defaulting, as the Creditor might spread word of its perfidy.<ref>{{Citation|https://fallenlondon.wiki/wiki/Slip_the_stone_into_the_lacre_gently|Slip the stone into the lacre gently|Fallen London|}} ''"She will pay anything [...] rather than have the Creditor... send a report? [...] tell someone that she was dishonest."''</ref> Thus, the Masters did not report the situation to the Bazaar,<ref>{{Citation|https://fallenlondon.wiki/wiki/Ask_about_the_Bazaar%27s_ignorance|Ask about the Bazaar's ignorance|Fallen London|}} ''"When the debt was incurred, it wasn't necessary to emburdenate the Bazaar with a full accounting, [...]"''</ref> and they sealed the Merchant in an endless slumber<ref>{{Citation|https://fallenlondon.wiki/wiki/Ask_about_the_Bazaar%27s_ignorance|Ask about the Bazaar's ignorance|Fallen London|}} ''"When the debt was incurred [...] We ourselves found a [...] resolution," says Mr Spices [...] I was the one who thought of putting the Merchant to sleep."''</ref> to freeze the debt as long as the Merchant stayed asleep.<ref>{{Citation|https://fallenlondon.wiki/wiki/The_Sleeper|The Sleeper|Fallen London|}} ''"The Debtor cannot be woken [...] When he wakes, his debt will be due, [...] the loophole [...] that sent the Debtor to sleep instead."''</ref> | Unfortunately, the [[Masters]] realized the Bazaar would not be able to pay without causing a cataclysm.<ref>{{Citation|https://fallenlondon.wiki/wiki/Ask_what_might_happen_if_the_Creditor_does_contact_the_Bazaar|Ask what might happen if the Creditor does contact the Bazaar|Fallen London|}} ''""The most likely outcome," [...] "is that the Bazaar would attempt to honour the debt [...] even if [...] damaging to London, or fatal to itself.""''</ref><ref>{{Citation|https://fallenlondon.wiki/wiki/The_Sleeper|The Sleeper|Fallen London|}} ''"The struggle to meet that pledge. The city almost sold [...]"''</ref> Furthermore, the Bazaar cannot risk defaulting, as the Creditor might spread word of its perfidy.<ref>{{Citation|https://fallenlondon.wiki/wiki/Slip_the_stone_into_the_lacre_gently|Slip the stone into the lacre gently|Fallen London|}} ''"She will pay anything [...] rather than have the Creditor... send a report? [...] tell someone that she was dishonest."''</ref> Thus, the Masters did not report the situation to the Bazaar,<ref>{{Citation|https://fallenlondon.wiki/wiki/Ask_about_the_Bazaar%27s_ignorance|Ask about the Bazaar's ignorance|Fallen London|}} ''"When the debt was incurred, it wasn't necessary to emburdenate the Bazaar with a full accounting, [...]"''</ref> and they sealed the Merchant in an endless slumber<ref>{{Citation|https://fallenlondon.wiki/wiki/Ask_about_the_Bazaar%27s_ignorance|Ask about the Bazaar's ignorance|Fallen London|}} ''"When the debt was incurred [...] We ourselves found a [...] resolution," says Mr Spices [...] I was the one who thought of putting the Merchant to sleep."''</ref> to freeze the debt as long as the Merchant stayed asleep.<ref>{{Citation|https://fallenlondon.wiki/wiki/The_Sleeper|The Sleeper|Fallen London|}} ''"The Debtor cannot be woken [...] When he wakes, his debt will be due, [...] the loophole [...] that sent the Debtor to sleep instead."''</ref> | ||
As [[London]] expanded its business ventures into the Hinterlands, [[Mr Fires]] took matters into its own hands. By infusing the tracks of the [[Great Hellbound Railway]] with Justificande Coins, Fires hoped to resolve the issue,<ref>{{Citation|https://fallenlondon.wiki/wiki/Ask_it_about_the_Hillchanger_Tower_(Furnace_Abandoned)|Ask it about the Hillchanger Tower (Furnace Abandoned)|Fallen London|}} ''"The Bazaar owes a debt to its Creditor [...] I hoped that laying [...] tracks made of Justificandes across its face would [...] constitute either repayment or the means to silence."''</ref> but its actions only agitated the Creditor.<ref>{{Citation|https://fallenlondon.wiki/wiki/Rely_on_your_previous_rapport|Rely on your previous rapport|Fallen London|}} ''"Trespasser, you have laid your road across my face [...] like a fool, Fires made bargains [...] Trying to stave off my rage [...]"''</ref> Now, the Creditor's patience is wearing thin,<ref>{{Citation|https://fallenlondon.wiki/wiki/Ask_about_the_Sleeping_Merchant|Ask about the Sleeping Merchant|Fallen London|}} ''""That matter," [...] "has drawn on [...] too long. It will not be allowed to continue for [...] longer. [...]"''</ref> and the Railway's further intrusions may shatter | As [[London]] expanded its business ventures into the Hinterlands, [[Mr Fires]] took matters into its own hands. By infusing the tracks of the [[Great Hellbound Railway]] with Justificande Coins, Fires hoped to resolve the issue,<ref>{{Citation|https://fallenlondon.wiki/wiki/Ask_it_about_the_Hillchanger_Tower_(Furnace_Abandoned)|Ask it about the Hillchanger Tower (Furnace Abandoned)|Fallen London|}} ''"The Bazaar owes a debt to its Creditor [...] I hoped that laying [...] tracks made of Justificandes across its face would [...] constitute either repayment or the means to silence."''</ref> but its actions only agitated the Creditor.<ref>{{Citation|https://fallenlondon.wiki/wiki/Rely_on_your_previous_rapport|Rely on your previous rapport|Fallen London|}} ''"Trespasser, you have laid your road across my face [...] like a fool, Fires made bargains [...] Trying to stave off my rage [...]"''</ref> Now, the Creditor's patience is wearing thin,<ref>{{Citation|https://fallenlondon.wiki/wiki/Ask_about_the_Sleeping_Merchant|Ask about the Sleeping Merchant|Fallen London|}} ''""That matter," [...] "has drawn on [...] too long. It will not be allowed to continue for [...] longer. [...]"''</ref> and the Railway's further intrusions may shatter this delicate stalemate.<ref>{{Citation|https://fallenlondon.wiki/wiki/Rely_on_your_previous_rapport|Rely on your previous rapport|Fallen London|}} ''"[...] you have laid your road across my face [...] My patience has been great [...] Now it is time to account [...]"''</ref> | ||
== References == | == References == | ||
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[[Category:The Neath]] | [[Category:The Neath]] | ||
[[Category:The Hinterlands]] | [[Category:The Hinterlands]] | ||
[[Category:Formatted]] | |||
[[Category:Cited]] |
Revision as of 20:44, 31 March 2023
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Beyond this point lie major spoilers for Fallen London, Sunless Sea, Sunless Skies, or Mask of the Rose. This may include endgame or major Fate-locked spoilers. Proceed at your own risk. You can find out more about our spoiler policy here. |
"You might call it a contract or a treaty or an oath, whatever best suits you. But this Power will not suffer you to go further into the Neath, nor to change it more from what it was, unless some limit is attached to your actions, and some price paid for the imposition."[2]
The Creditor is a power that presides over the Hinterlands.
Living Earth
"All the land past the Evenlode is touched by the Creditor. And the closer territory, too, we have ways of visiting."[3]

The Creditor is an ancient, earthly entity who rules the Hinterlands between London and Hell.[4][5] It watches all travelers who pass through its realm;[6][7] in the past, trespassers would be summoned to its court, the Magistracy of the Evenlode.[8][9]
When brought to the Creditor's throne room,[10] interlopers would have to agree to leave the Hinterlands unblemished. In addition to a verbal agreement, they were also required to pay a gage: collateral only returned if the deal was upheld.[11][6] This practice was standard[12] until after the Second City, as the Creditor abandoned its court[13] and left only ruins behind.[14]
History
"Service to a fierce and brilliant star. A cleaving birth – better not dwell on this. It was painful to lose your sister-self."
"Then: the Neath. Time passing, small creatures slipping past, minor affairs that are not worth looking into; and then a sudden, awful shock. You had responsibilities. You oversaw disputes and kept peace between the Sun's experiments. You thought these little animals couldn't possibly be of any concern."[15]

The Creditor was once an entity of the High Wilderness that served a "fierce and brilliant" Judgement,[16][17] likely the Sun itself. During the Cataclysm of Silver,[18] it was violently split in twain, and its "sister-self" became the Moon.[19][20] The other half found itself in the Neath with instructions from the Sun:[21] to oversee and protect the Shames[22] who were hidden from the Judgements' sight.[23] The Creditor focused its attention on the most powerful beings and ignored any smaller creatures. It worked as a mediator and a peacekeeper,[24] resolving disputes between powers through the rule of honor and word.[25][26]
When Hell first arrived in the Neath, its leadership petitioned the Creditor for a safe route to the Unterzee. In return, the Creditor hired them for their legal services. The Solicitor-Baroness was chosen as the Creditor's solicitor, and she still acts in this role to this day.[27]
Biology
"It takes from the folds of its robe a mirrorcatch box, and without explanation or ceremony, shines pure sunlight on the Creditorial stone. What comes back is not sunlight. For the briefest moment, everyone in the room appears other than human, their bodies boulders and trees and false-stars, and then the image fades."[28]

The Creditor is a being of living earth,[29] and the topsoil of the Hinterlands is its "face."[30] It can move entire mountains to communicate gestures such as greetings,[31] and can unleash powerful earthquakes.[32] The Creditor has a multifaceted identity; Hillchanger Tower is one such aspect.[33] The Creditor can view the world using Hillchanger as a proxy,[34] though Hillchanger shows limited autonomy from its host.[35]
The Creditor's "internal" flesh resembles the surface of its sibling, the Moon.[36] This material reacts with moon-pearls,[37] and can be consumed by others to communicate messages.[38] It can also reflect sunlight to induce visions of a strange and shapeful world;[39] this property is analogous to moonlight.[40]
Personality
"FROM EACH HER OWN LAW;"
"AND NONE SHALL ESCAPE THE LAW SHE HAS MADE."[41]

The Creditor is a firm believer in the value of oaths and personal honor,[42] and respects those who commit to their word.[43] It loathes being disrespected[44] or ignored,[45] and it prefers to treat counterparties as equals.[46] It is not aggressive; rather, it is resolute,[47] but still willing to use force if necessary.[48][49]
The Creditor cares deeply about the Hinterlands and does not want it damaged or changed.[50][51][52] It is nostalgic, and it feels as time has passed, honor lost its value among the Neath's modern denizens.[53] Thus, it wishes the Neath was more monstrous,[54] and it wants the Shames to move freely again undisturbed by the Judgements.[55] Being such a singular and unique entity, it is also implied to be lonely.[56]
A Fateful Deal
"A payment was offered long ago, in the Bazaar's name. The Creditor still lives. Between London and Hell. It must not be reminded, the terms of its patience must not be strained. Above all, no new promises can be made."
"In the first of all cities, the Cedar was witness of oaths."[57]

During the era of the First City,[58] the Sleeping Merchant led a caravan to the Hinterlands in search of fortune. He carried with him the seal of the Echo Bazaar itself.[59] The Creditor noticed the intrusion, and brought him to Evenlode for judgement.[60] The Creditor feared that the Bazaar and its citizens would damage the Hinterlands, so it demanded insurance to prevent this.[61] However, the gage was inexplicably measured against every soul in the Neath.[62] The Merchant did not know the Neath's true population,[63] so he promised this enormous payment on the Bazaar's behalf.[64][65]

Unfortunately, the Masters realized the Bazaar would not be able to pay without causing a cataclysm.[66][67] Furthermore, the Bazaar cannot risk defaulting, as the Creditor might spread word of its perfidy.[68] Thus, the Masters did not report the situation to the Bazaar,[69] and they sealed the Merchant in an endless slumber[70] to freeze the debt as long as the Merchant stayed asleep.[71]
As London expanded its business ventures into the Hinterlands, Mr Fires took matters into its own hands. By infusing the tracks of the Great Hellbound Railway with Justificande Coins, Fires hoped to resolve the issue,[72] but its actions only agitated the Creditor.[73] Now, the Creditor's patience is wearing thin,[74] and the Railway's further intrusions may shatter this delicate stalemate.[75]
References
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