I just dont understand why a mistake that a person makes 5 years ago should affect them for so long, matter a fact sometimes it not even a mistake but curcunstances that is uncontrollable, take for example my friend just lost her job and she currently has a personl loan amoung other things she has been paying great on, she informed all her creditors of the situation and asked if she could get a couple of months grace period to obtain another job then continue with payment. NOOOOOOOO is what they all said, so they would prefer to ruin her credit instead of trying to work with her......as if she could have predicted the future, now one may say well didnt she have savings? yes she does but she's also a single mother to a 1 year old still has her rent to pay and food to put on the table along with child care while she job hunts, it wouldnt be wise to use her savings to pay off loans then end up on the street right...this country seems as if it's et up in away to fail the middle class at all angle...smh.....