Enact a credit forgiveness program.

So many hardworking americans were caught up in this bad economy. Many of them doing damange to their credit. There needs to be loan reform to help those who have had good credit in the past, but unfortunately because of loss of job or the housing market, find themselves on hard times and unable to obtain a car loan, let alone a credit card. The economy would rebound if people were extending credit and forgiven for economical misfortune.