Are you drug tested at work?

[jspchief]

Originally Posted by Clint in Wichita

In other words, you have no response?

Ultimately, people are responsible for their own credit, but for example, if the shit hits the fan and you are laid off from a longtime job, what are you going to do if you earn half as much as you used to? Give head?

No. Some bills will be late or unpaid entirely. It doesn't take much of that to ruin your credit, either.

Ok, here's your response, since you seem to think it's someone else's fault when you get in over your head in debt:

Employers don't force you to take out lines of credit. If you get laid off, you should have savings to cover your ass. If you've taken out more credit than you can survive in the event of an emergency, then you've taken out too much credit. It's not low paying employers that are responsible for bad credit, it's people that use credit to live beyond their means.