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Kathianne said:I agree. I always had 'perfect' credit. In order to help my kids get through high school, some things went on credit. (My own income has never hit 30k, yet I have over 30k in credit card limits-never higher then 7k, but that's me and still too much.) I have a mortgage and car payment. I have school loans. My dad got sick last summer, had a pacemaker put in. Couldn't work as I have in the past. Got late on some payments. 2 Visas put the interest rate up to 23%. What is a person to do? (I am lucky, my dad and brother paid them off, so I'm paying them back, but what if the family couldn't?)