Loss of job. How we manage our income. Remember this, not all credit unions work the exact same way. But your fastest and best chance to credit recovery is with them. Make the effort and find one to join.
Credit unions are nonprofit.
When they make a profit investing our money, they must return any profits back to us, except for overheard. This happens in the form of low interest rates, higher CD rates, interest on your checking account. The trick is to join a credit union. Some how, some way you must find someone in your family that belongs to a credit union to join. Your company might already have this option for you, check and see if this is available to you by your company.