The year 2008 marked a very bad financial time for a lot of folks and many credit scores fell precipitously. The unemployment rate hovers to as much 12% and is averaged at 9%. That is part of the bad credit story. Because of these rough times, many traditional lenders such as banks and credit unions have employed a self-imposed credit crunch, raising their credit and qualifications for loans so that many borrowers, good credit or not, have trouble getting loans from them. Of course, the tightens the money flow that much more.
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