I know from the people who I've helped over the years with financial problems that if you've got a poor credit score, life can be pretty tough and people are so often desperate to find ways to increase their credit rating.
So often,
people end up stuck in a vicious circle. Perhaps you have found out that your credit rating has slipped so low that you couldn't even get credit to buy a root beer?
No matter where you apply or what for, you get declined time and time again. What's worse, and this is something the you might not be aware of, the more times your credit application is declined the worse your rating becomes. I can really see why people think there's no way but down.