I have been hearing about how so many people are having troubles getting their homes refinanced, and credit cards being cancelled because they have bad credit.  It’s really a sad story, because most of these people have been diligent in paying their bills but are suddenly jobless because of downsizing or because of some kind of accident.

This problem has even hit some of my own family members!  One of my uncles was injured in a bad car accident and hasn’t been able to work for over a year.  So far he has not been able to get any money from any insurance company, not getting sick pay or disability.  He has received no sympathy from any of his creditors, and now he has bad credit.  He’s been trying to get some help with credit repair so that he can refinance his house, but so far his attempts to repair credit have not amounted to much.  He has contacted the credit bureaus for copies of his credit report, thinking that he could fix credit problems with them.  And to be honest, he HAS found some errors that he needs to fix!  So maybe that will help!