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" So I&amp;#039;ve been operating under the assumption that because I&amp;#039;m debt-free and pay off my credit card on time (and in full) every month, that my credit score would put me in first place if I ever wanted more credit. Not anymore, I&amp;#039;ve learned. In this ailing economy, lenders aren&amp;#039;t just relying on your credit score anymore to determine your credit-worthiness. Creditors are also on the prowl for any personal information that classifies you as a &amp;quot;high risk&amp;quot; borrower, like whether you live in an area hit unusually hard by the mortgage crisis or if you hold a job in finance. It&amp;#039;s no surprise that banks are getting stricter about their lending practices, but these tactics don&amp;#039;t just affect those who frequently &amp;quot;forget&amp;quot; to pay\u2014it&amp;#039;s hurting people like me with squeaky-clean records. That hardly seems fair. Trying to open a new credit card? Are you finding it harder than before? Was your credit limit slashed in half? Share your story. We feel your pain. "^^<http://www.w3.org/2001/XMLSchema#string>
<http://www.marieclaire.com/career-advice/advice/a1686/how-far-should-lenders-invade-your-personal-life/?click=rel>