1.Lost employment opportunties, Costs of auto insurance, cost increase although having a great driving record; home owners ins., Cell phone contracts,,rental agreements; ETC. todays economy many americans have suffered financially and have suffered a reduction in credit scores. It becomes hard to break out of the cycle!
2. In my opionion,medical bills, should not be recorded on your credit report. With the extremly high cost of medical. Doctors/Hospitals although high payments, These entities will accept payments, but they froward the bills to a collection agentcy in which ypu make payments to these agencies. issues are they R recorded on your credit reports!. Devastating your overall credit score. It is in my opinon, exempt these bills Hence, Numerous bankruptcies!