Is it just me with this problem..... I've worked all my life (I'm 51 years old), credit score was always in the high 600s, I was laid off, paying mortgage (priority) and paying 3/4 of my debts on time, however unemployment does not provide very well. When I contacted my charge companies, some were very nice and so willing to work with me but 1/4 of them didn't want to hear about it so naturally my priorities were to pay first the ones who were understanding, unfortunately after these payments - there was not much left. Naturally my credit score has way dropped, with the unemployment rate and the foreclosures I know I cannot be the only one who cannot fulfill all obligations. I read 70% are in the 660 plus range. How can this be possible???