If you are examining the state of your credit, and when looking at your finances see that you are in a less than desirable position. Some people take the information in stride, put down there head, and bull their way forward, continuing with their work and looking forward to the day when their finances will be in better shape. Some people respond very drastically, getting depressed, compensating by spending or eating more than they should, or in some other way avoiding dealing with the problem. There is an even better way. Merchants understand that everyone can suffer financial problems, but if their potential clients just give up and never purchase any products, then they will suffer right along with them. For this reason, merchants are very motivated to work with people with distressed finances and are ready to help them.