IN REGARDS TO THE PREDATORY LENDING MORTGAGE CRISIS, CREDIT CARD DEFAULT CRISIS, STUDENT LOAN DEFAULT CRISIS, AND PAYDAY LOAN PREDATORY LENDING CRISIS, IS THERE ANY HELP ON THE WAY FOR THE MILLIONS OF AMERICANS THAT SUFFERED DECLINING CREDIT SCORES WHICH PREVENTS THEM OF OBTAINING BANK LOANS,LINES OF CREDIT, RENTAL PROPERTY AND ALSO NEW EMPLOYMENT :?: