I was reading an article published by the Associated Press.  The headline read "More Americans' credit scores sink to new lows."  The statics  (Fico.com) stated that about 25.5% of Americans' have credit below 599.  That is now considered bad credit. Simply stated the changes in lending practices do not allow people with bad credit to obtain any credit at all.  The countries lending practices went from being to loose too being to tight.   It hurts the ecomomy, when people cannot obtain credit.  This can be very disturbing news if you are one of 43.4 million people who fall into this category.  Do not despair.  You can turn your bad credit into great credit.    Many people are in denial about their overall credit situation.  Are you in a credit dilemma??

Miss Rene'