"Like a lot of people, he had bad credit at one time and then managed to clean it up," she said.

There is, to be sure, still some worry about possible bad credits.

Can you buy your first home with bad credit?

Now the child goes for student loans or jobs, and the companies say, 'You've got a problem of bad credit.

By contrast, she said, "70 million people have bad credit.

Having bad credit in this country is like being a convict.

Want to buy a home, but hampered by bad credit, an empty bank account or no job?

There is little that people can do in life without credit, and even less if they have bad credit.

But his financial future will no longer be solely dependent on people with bad credit meeting their obligations.

For instance, it was not so easy to distinguish good and bad credits.