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Does anyone ever really recover from bad credit? Most of the time it is so disheartening to be penalized for something you have no control over. With the state of the economy today there are many people that cannot get out of the bad credit hole.

Maybe the government should revamp some credit laws and how bad credit can be held against a person for a job or for a place to live. Is there any way to change this?  Does anyone have any stories or ideas on how things could be made better?