I heard about the neatest program the other day. Our local bank has decided to start offering loans for people with bad credit, which I think is pretty cool. I don’t think it’s fair that bad credit ruins people’s lives, especially because sometimes it’s not their fault. Especially in cases like identity theft. Anyway, I’m going to call my sister and tell her about it, because she is trying to repair her credit score after a bad divorce. I think it’s good to offer people second chances through loans like this, and hope that my sister can take advantage of them.