The economny is not getting any better despite what people are saying. I have 2 friends whose husbands just lost their jobs. They are working and they have a little saved to live on while they look but it is really hard especially if you have children to support. And if you have credit that is alreayd shot then you are really in trouble and should look for a credit repair service that can best help you out. Even if you are financially making it every month… this is something that you do not want hanging over your head because if things get worse you credit troubles will catch up with you and fast!