If you're not in this situation, imagine how hard it would be to try to build a credit history when no one will give you credit. If you're IN this situation, it probably feels like you have an up-hill battle just to get those essential-to-life loans that other people take for granted.
We find ourselves several years into a wheezing, anemic "recovery." Public patience has been lost. As colder winds and shorter days make themselves felt, there seems a tangible shiver running down the collective spine.