Someone suggesting they won't pay their bills? Aren't you supposed to be BUILDING credit not destroying it?
Even though right now it seems like you need a 800+ score, you can still get credit. And when this thing blows over you don't want to be out there begging for scraps. That's how I see it.
As soon as the government props up these banks, things should go back to normal, maybe a little less than normal but not too far from the norm. That would cause the same issue in reverse.
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Credit repair - the Ski Mask Way.