I have a different perspective on credit than many people do. A lot of people judge a person’s worth by their credit. That is just not fair, to lump people together and those with fair or below average credit get the car loans for people with bad credit. But, does anyone think that maybe they were not the ones who ruined their credit in the first place? I had an issue where my home was broken into and my birth certificate and social security card were stolen, among other things. It was not until well over a year later that all the letters started coming. The credit card late notices saying I was behind or maxed out on my limit. No wonder my credit went to the toilet, the thieves had stolen my identity and ran up a huge amount of fraudulent debt on my name. So, just because someone has a paper saying they have bad credit, that may not be their credit.