A “tad”…a small amount. A “bit”…a small amount. A “tad bit”…redundancy exhibited by illiterate morons who obviously can’t define two three-letter words. Tad. Bit. You may choose one.

P.S. Oh, and according to Experian and Equifax (Trans Union got it right), I have a mortgage that started in 2009, and I also have a car loan. Neither of these things is true–I didn’t even apply for a mortgage in 2009, and I own HKLRSC outright–but getting it fixed will be a nightmare of epic proportions because the error is in my SSN somehow, and those motherfuckers have no incentive to correct anything. Yippee. It better not fuck with our VA loan, though. It just better not.