For people who think everyone with poor credit is irresponsible and we just need to "pay our bills on time and stop complaining" Sometimes it isn't that easy I had a 756 credit score and then got diagnosed with Gestational Trophoblastic Desease (a form of cancer) was hospitalized twice, had emergency sergury and underwent chemo for 6 months. I was out of work and got behind on my bills. Some companies are just unwilling to work with me on payment plans and therefore I am stuck trying to catch back up and find ways to work myself back up from a drop to 499. I am currently at 587 after close to one year cancer-free. I am struggling and it is not due to being irresponsible... it is due to the uncontrolable things in LIFE.