Allows Americans to get a clean credit report. If they have never missed a payment until they have lost their job due to circumstances beyond their control . Such as the recent housing and bank failure which caused many Americans to lose their houses , credit cards and cars. Loss of a job due to slow economy. My story is I lost my job in the housing industry due to bank failures. I never missed a payment, I finally was not able to keep up my payments. My house went into forclosure and was not able to pay my credit cards but by the grace of G-d I was able to pull my home and family vehicle out of trouble. I am not able to get credit now because of poor ratings.
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