It can be so frustrating: trying to repair bad credit, especially after the recent economic downturn. Credit card companies changing the rules on borrowers so that credit scores have been impacted across the board. Hikes in interest rates to ridiculous levels has also meant it's that much harder to pay the monthly bill, and millions of people are falling behind. Add to this the major job loss around the country, and Americans who lived on credit are finding that suddenly they are unable to pay their bills. Read more »