For whatever reason, you now have bad credit. This could be caused by the economy downfall, which may have eliminated your job. Thousands of people are finding that there field of expertise is gone and are having to be retrained to take on a new career. There are also those of us that may still have our jobs but due to the unemployment rates are finding that we are expendable and replaceable. Knowing this makes us vulnerable for pay cuts. Where we may have been doing very well a year ago, we are having to work twice as long and twice as hard for half the money. But even so we are feeling lucky that we have some type of job.
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